Hello Bank reviews! (2023): does the bank deserve its success 

Before entering the characteristics of each card in our opinion Hello Bank!, Let’s first see what are the advantages of these cards put forward by the establishment. Thanks to the Visa network, cards are accepted from 31 million merchants worldwide and in 1.4 million distributors. It is similar to the Mastercard network which is also wide.

Hello Bank reviews! : full test and customer reviews (2023)

Hello Bank! is the online bank imagined by BNP Paribas, at the crossroads of a traditional banking agency and an innovative mobile experience. But can you really have the best of both worlds ?

➡️ We analyzed the hello bank offer! in detail and here is our opinion !

Our opinion in short on Hello Bank!

• A visa card accessible without income conditions
• Access to BNP Paribas agency networks and their distributors
• The Global Alliance network for your withdrawals at no cost abroad
• The virtual card alone or in the Hello Prime offer
• A good personal or real estate loan offer

• A paid hello premium offer
• Unappropriate securities and PEA
• Very limited life insurance
• Only BNP Paribas funds !

Right now with Hello Bank! : 180 € offered + hello prime and hello prime duo at € 1 for the first 6 months for any subscription before 09/10/2023.

Hello Bank! Addresses in priority to all those who appreciate the reassuring side of a large banking group with a storefront : have access to distributors for your checks of checks and species, or simply being able to speak with a human being if necessary.

The free formula hello one allows you to discover the Hello Bank offer! free of charge : you have access to a free visa card with automatic authorization, with international payments without cost. Perfect for students abroad or occasional travelers, especially since there is no inactivity fees.

The Hello Prime offer includes a very practical virtual card and access to Instant transfers Unlimited, at no cost. Accessible from € 1,000 in monthly income for € 5 per month, it can quite suit large travelers thanks to its Unlimited free withdrawals and payments all over the world, and its insurance or international assistance or assistance.

Savings and investment products are unfortunately disappointing, And do not hold the comparison with other online banks (Bforbank or Fortuneo), or certain specialized brokers for the stock market and life insurance, in particular on the diversity of the investment universe or the costs.

Up to € 180 offered by Hello Bank!

Hello Bank! : Put a BNP Paribas agency in your pocket

Hello Bank! is the online bank of the French group BNP Paribas. It was launched at European level in 2013 in Germany, Belgium, Italy and therefore in France, where it claims 700,000 customers in 2022.

It is a 100 % digital and cheaper alternative to traditional BNP Paribas agencies, with a touch of innovation for online services, in particular their virtual visa card or Paylib mobile payment.

✅ Hello Bank! offers the services and advantages of an online bank, with the support of the BNP Paribas agency network.

In 2022, its offer was simplified in two formulas : Hello one, and its premium paid version hello prime. Hello Bank! Also offers professional accounts (Hello Bank! Pro and its hello business offer), which we are not going to analyze in detail in this opinion. If you are looking for an online bank for professionals, we have a comparison dedicated to pro online banks that may well interest you. ��

�� And we even have a dedicated opinion on Hello Bank! Pro if you have an independent activity.

Up to € 180 offered by Hello Bank!

Our opinion on the HELLO BANK banking offer!

Hello Bank! offers individual or joint current accounts, for natural or legal, major and minor persons. It is necessary to have a bank account to make the deposit at the opening of the account, and be domiciled in France. Likewise, only minors whose parents are hello bank customers! can open an account.

✅ Among the positive points:

• The hello one offer very accessible with a deposit of € 10 at the opening
• Without income conditions for Hello One
• Only € 1,000/month of income requested for Hello Prime
• A customer service that can be reached until 10 p.m. on weekdays and 6 p.m. on Saturday
• A hello prime offer adapted to large travelers
• Access to BNP Paribas distributors: practice for checks for checks or species !

Let’s see together the two bank cards offered by Hello Bank! ��

✅ Among the differentiating advantages of Hello Bank!, we find in particular:

• A virtual card Included in Hello Prime, that you can also subscribe without a physical card.
• The global alliance global network For your free withdrawals abroad, even in currencies.
• Access to BNP distributors for your checks of checks or species. Only Monabanq also offers this service among our comparison of the best online banks.
• Mobile payment via Apple Pay or Paylib.

➡️ The range of visa cards offered by Hello Bank! is quite limited because only two choices are available to you: a free but basic card, or a card equivalent to a first visa, but paid.

❌ The free offer Hello One does not include the virtual card, insurance means of payment, free withdrawals abroad or immediate transfers.

We can understand the positioning of Hello Bank! who encourages to take their paid offer, but difficult to keep the comparison in the face of free offers from its competitors, such as Fortuneo for example, also without income conditions.

Up to € 180 offered by Hello Bank!

Our opinion on Hello Bank costs!

�� The Hello Bank banking offer! has the merit of being simple because you only have the choice between 2 formulas: Hello One, which is free but limited, or Hello prime For 5 € per month, much more complete.

✅ Finance-hero’s opinion : Hello Bank! above all seems to be cut for BNP Paribas customers wishing to reduce their costs, while retaining the comfort and solidity of a large banking group and its physical agency network.

Customers regularly performing checks for checks or species will appreciate Access to unlimited, unlimited distributors. Even if Monabanq also offers this service, it is limited according to your account package and impossible with the free offer.

If you travel often or do operations with foreigners, Especially outside the European Union, we recommend the Hello Prime account which includes international transfer to currencies and withdrawals all over the world, at no additional cost.

Up to € 180 offered by Hello Bank!

Investment investments and solutions

Hello Bank Savings and Savings Account!

Hello Bank! offers the BNP Paribas savings product range, that you can subscribe to an advisor after opening your current account.

In addition to booklet A or LDDS, essential to build availability savings, you also have a young or PEL booklet. Too bad we cannot do it directly from the application.

❌ The hello + booklet is an alternative proposed by Hello Bank!, If all your regulated booklets are at the ceilings. Its remuneration rate is calculated by tranche. It is 0.02 % gross annual from € 0 to € 49,999, and 0.05 % from € 50,000. It’s really insufficient, especially for a gross tax rate. Especially when Fortuneo or Bforbank offer booklets with a remuneration of 0.05% from the first euro.

If all your regulated booklets are already on the ceiling, we advise you to turn to life insurance whose yields and taxation will be more advantageous in the long term.

✅ Unlike other online banks, the presence of PEL and CEL is to be emphasized, despite their respective remuneration rates of 1 % and 0.50 % gross. Not to mention their obsolete operation, the slightest withdrawal leading to the fence of the PEL.

�� Other much more interesting solutions exist to constitute long-term capital, in particular life insurance or PEA.

Up to € 180 offered by Hello Bank!

Our opinion on the HELLO BANK BOURSE OFFER!

❌ HEELLO BANK BOURSE (secure and PEA)! does not hold the comparison against Bforbank or Fortuneo, whether in terms of brokerage fees or investment universes.

You have the choice between The Start offer And Active offer, Depending on the amount of orders you place. Even if these two offers are free, annual costs can quickly increase the bill !

✅ The start offer is ideal for small orders, below € 3,000, with brokerage fees of € 1.75 for orders less than € 500. However, we will note the presence of childcare rights for all values ​​that are not part of the BNP Paribas group, as well as fixed costs of € 5 per portfolio line !

The active offer offers fixed brokerage costs of € 13 in order to order below € 8,000, As well as free childcare rights and fixed costs by portfolio line, as long as you stay in European marketplaces: Euronext Paris, Amsterdam and Brussels. The other places will cost you between € 15 and 100 € minimum of additional costs per order of order !

Likewise, avoid having OPCs because they will cost you a minimum of € 29.90 per year and per account in childcare rights, whatever your scholarship offer.

❌ If you wish to delegate the management of your securities accounts, hello bank! does not offer mandate management.

Finally, note that you must have a Hello Bank current account! to be able to open a securities account.

➡️ Here is the main thing to remember on the HELLO BANK BOURK offer! ::

• Duties and fixed costs by line !
• Prohibitive brokerage fees on foreign scholarships.
• No mandate management or typical wallets to draw inspiration.
• Limited investment universe at BNP Paribas funds.

❌ In conclusion, it is clearly not the secure accounts that will make you want to go to Hello Bank!. The brokerage fees are prohibitive and the investment world is limited to BNP Paribas funds, otherwise the costs accumulate quickly.

If you are looking for an online bank to invest in the stock market, we recommend you rather Bforbank, Fortuneo, or a specialized broker.

Up to € 180 offered by Hello Bank!

Our opinion on life insurance hello!

Life insurance hello! is only accessible to holders of a Hello Bank current account!. We had a hard time finding the minimum amount to pay for the opening, which would be € 5,000. But this is not clearly indicated on the Hello Bank website!.

❌ In summary, it is a mediocre life insurance contract, even if there is no payment or arbitration fee.

The units of accounts offered are only BNP Paribas funds, And even if some are completely recommendable, this greatly limits diversification.

Finally, if you are delegate, there is no controlled management : only an allocation proposal for the subscription of the contract according to your risk profile.

Antoine’s advice

The most demanding investors will favor specialized brokers such as Nalo or Linxea, depending on their needs. To guide you in your choice, find our comparison of the best life insurance.

➡️ HELLO BANK life insurance! Life in short:

• Accessible from € 5,000.
• 0 € of costs on payments and arbitrations, excluding OPCI.
• Only 44 BNP Paribas funds including 1 OPCI.
• ETF but with annual management fees between 0.15 % and 0.35 % !
• Prohibitive annual management fees between 1 % and 2 %, excluding ETF and monetary UC.

❌ Finance-hero’s opinion : Hello Bank! offers a disappointing savings offer at almost all levels.

Regulated savings are only available via booklet A And a hello+ livret account at the insignificant yield, between 0.02 % and 0.05 % gross annual. Let us also underline The absence of retirement savings (PER), housing savings (PEL, CEL) and the young booklet.

The life insurance contract hello! is certainly without entry fees and arbitration fees (even if it becomes the standard for online banks), but is far too limited in his investment world, Reserved for BNP Paribas “house” funds. Without Prohibitive annual management fees, that will seal your performance. Finally its minimum payment of € 5,000 at the opening in fact the least accessible contract for an online bank.

The oFfre Stock Exchange is largely insufficient : childcare rights and fixed costs by line can easily accumulate, especially if you do not place at least one order per month. The brokerage costs are also to be monitored if you place orders in markets outside Euronext.

➡️ In conclusion, it is difficult to recommend Hello Bank! For your online savings. Its offer is unable to compete with its competitors or “pure players”Specialized (stock market brokers, Fintech or Robo-Advisor), in particular on the stock market and life insurance.

Borrow with Hello Bank!

Consumption loans

✅ Hello Bank financing offer! is quite complete and interesting, Despite the absence of the student loan.

Let’s quickly review the personal loans offered:

• Personal loan : from € 1,000 to € 75,000, over 4 to 72 months.
• Work loan : from € 1,000 to € 75,000, over 4 to 72 months.
• Auto / motorcycle loan : from € 1,000 to € 75,000, over 4 to 72 months.
• Subscription 100% online and without case costs.
• Telephone support for an advisor if necessary.

This consumer loan offer should cover most common needs, And you can also take advantage of regular offers to take out a personal loan with a improved rate, like what Boursorama can do.

Now let’s see the mortgage offer in detail. ��

Real estate loans

The account opening process takes between 10 and 15 working days (2-3 weeks), Your file being studied manually before acceptance. This is the average period noted for an online bank. Nevertheless, you can reduce this period with the Hello Prime and its activated virtual card as soon as you validate your file !

✅ The Hello Bank application! seems ergonomic and rather pleasant to the eye, As its good note proves on Google Play (4.1/5 out of 15,000 reviews). Bizzarare, the iPhone application has only 46 reviews for an average note of 3 out of 5.

The application has very practical features such as:

• Complete management of your bank card: Physics or virtual!
• The categorization of your expenses For better management of your budget
• The location of BNP Paribas distributors and Global Alliance partners
• Check recording before sending by mail

Our opinion on Hello Bank customer service!

✅ Hello Bank customer service! can be reached by cat or phone, from 8 a.m. to 10 p.m. on weekdays, and from 8 a.m. to 6 p.m. Saturday. These are the most extensive schedules that we have noted for online banking customer service !

Note that you have priority access to customer service advisers if you are a hello prime member, but not dedicated advisor.

Up to € 180 offered by Hello Bank!

Conclusion: Hello Bank!, The innovative online bank to travel with BNP

✅ In conclusion, our opinion on Hello Bank! is moderately positive. It is an online bank that suffers from comparison with its competitors, despite the support of the BNP Paribas agency network. Access to Unlimited check and cash deposits should be emphasized, just like very small costs abroad Or there virtual card.

But savings and investment products are unfortunately too limited To make Hello Bank! your new main bank, despite a rather complete financing offer.

Here is in summary the essential to remember:

• An accessible visa card from € 1,000 in monthly income
• An innovative and practical virtual card
• Reduced costs abroad, Even with Hello One
• Savings and investment products, Even if for the stock market we will prefer Fortuneo and Bforbank.
• Interesting financing offers with many possibilities
• The Hello Bank application! is a success
• A customer service that can be reached until 10 p.m. on weekdays !

A bank for which profile ?

Travelers and students abroad, Especially if they are already BNP Paribas customer, will appreciate this means of keeping access to the network of a large French bank, by reducing the costs. People looking for funding can also find interesting offers there. On the other hand, savers and investors will rather turn to other online banks or specialized brokers.

�� Right now with Hello Bank! : 180 € offered + Hello Prime and Hello Prime Duo at € 1 for the first 6 months for any subscription before 09/10/2023.

Up to € 180 offered by Hello Bank!

Antoine was heritage advisor and private banker before joining Finance heroes. He puts his service and his experience in the banking environment at your service.

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Hello Bank reviews! (2023): does the bank deserve its success ?

Faced with Boursorama which is a subsidiary of the Société Générale group, we have Hello Bank! which belongs to BNP Paribas. This comes with its share of advantages, especially in terms of regulation and security of your funds. In parallel, it is a modern and popular online bank that is very successful in France. With almost a million customers, Hello Bank! is one of the most popular of the moment.

Thanks to the group’s know-how, Hello Bank! also managed to attract 3 million customers in Europe. With the range of products similar to that of a traditional bank, it knows how to meet the expectations of the general public. Recently, Hello Bank! has made a complete overhaul of its range of bank cards. They advance 2 additional formulas: Hello One and Hello Prime.

Beyond having an unconditional and free offer (Hello One), Hello Bank! differs from its rivals on one point: it retains a physical relationship with its customers thanks to the 2,000 agencies of the BNP Paribas network. Users can deposit their checks and species in these offices. Its rivals have excluded any possibility of depositing species with their dematerialized model, which can brake some. Below, our test and our review hello bank!.

6 strong points of our opinion Hello Bank! ::

• Current account and free card
• Without income conditions
• No fees abroad
• Best savings booklet
• Wide range of products
• BNP Paribas physical agencies

To help you do your opinion on Hello Bank!, We have reviewed each of the banking products of the establishment. We will also come back to the distinction between the Hello One and the Hello Prime formula. It is obvious that one or the other formula will necessarily suit you. They allow for daily, flexible banking use with the absence of costs in certain cases.

The Hello Bank current account!

As in all banks, the current account is at the heart of the establishment’s offer. This is the first part on which we are going to focus in our opinion on Hello Bank!. The online bank has the approval of the ACPR via its parent company BNP Paribas.

To open an account free of charge, the first condition is to be “an adult residing in France, and acting as an individual”. We find this requirement in all online banks. If you are in this case, you are eligible for an account at Hello Bank.

As you will discover in our opinion Hello Bank!, account management at Hello Bank! is done simply and via the internet (either by the mobile application or by the website). From his space, the customer can manage his cards, carry out his operations (transfers, samples), order a checkbook and subscribe to various products as in any bank.

The bank card can be ordered when the account is active. This requires making a first payment on the account. The Hello One or Hello Prime cards meet different profiles and the eligibility conditions are not the same. In the case of Hello One, the card is free and without income condition. In the case of the hello prime formula, it requires a monthly contribution (5 euros) as well as a minimum income proof (1000 euros).

Free current operations

Hello one is a free and un conditioned formula. On the other side, Hello Prime is chargeable but offers wider flexibility and premium advantages. In both cases, you have no fees on the operations of everyday life. Hello Bank! belongs to these online establishments which offer maximum transparency on banking costs. If you have a very standard use of your bank, it will not cost you anything with Hello One. Also, the bank offers 80 euros for the opening of this account.

If you choose the hello prime account, you have the welcome bonus that will allow you to take advantage of the free service: 80 euros of bonuses at the time of opening the account and 50% discount on the first year of subscription (ie 6 months offered). It gives you access to a card equivalent to a first visa.

Hello Bank! has advantages in terms of customer support that is not found in other online banks. Indeed, it is the only bank on the web which offers its customers to go to physical agencies (those of the BNP Paribas network). This allows you to deposit your paper checks or your species, trigger transfers or to ask questions. If you still often use species, Hello Bank! is the only online bank that will suit you.

Today, more than a third of the account opening requests are made to an online bank. To continue our opinion on Hello Bank!, Here is the summary of the costs applied by the establishment below: “We don’t hide anything from you, we tell you everything”. We must recognize on this point that Hello Bank! is similar to Boursorama Banque. Please note, not all online banks are as transparent on invoicing.

Customer support is efficient and available on wide schedules (9 a.m. to 6 p.m. Monday to Friday.)). It is available by phone, chat, via social networks or by mail. As you can see in our opinion Hello Bank!, The bank has a team of specialized advisers on each product. The support of all BNP Paribas agencies is also available.

You don’t need hello bank! A main bank: only a justification for income is necessary to obtain a current account as well as a card. That said, the hello bank support! is available to their customers to facilitate the change of bank at no cost. This program allows you to subcontract the administrative part of the migration and its name is Hello Start+.

The range of bank cards

In 2020, Hello Bank! has made a deep change in its card offer. The online bank has decided to go from one to two formulas: Hello One and Hello Prime. If these 2 bank cards do not bear the name of “Visa Classic” and “Visa Premier”, they have all the characteristics including in terms of insurance and guarantees.

Hello One is an offer for the general public which is free, without justification for income and without condition. It competes with neo-banks in terms of simplicity and price while being more complete. Hello Prime is a higher -end version for travelers clientele. It is billed 5 euros per month and requires a minimum income of 1,000 euros net per month.

There are large differences between these two formulas: Immediate delicate delayed, unauthorized discovered VS Discovered authorized, Visa Classic VS Visa Premium, Ceiling Differences etc. Lower on our Hello Bank review page, you will be able to know all the differences on these two banking formulas.

Common benefits to Hello Bank cards!

Before entering the characteristics of each card in our opinion Hello Bank!, Let’s first see what are the advantages of these cards put forward by the establishment. Thanks to the Visa network, cards are accepted from 31 million merchants worldwide and in 1.4 million distributors. It is similar to the Mastercard network which is also wide.

Hello Bank! also benefits from the subsidiary network of the BNP Paribas group, its parent company. Free customers (hello one formula) benefit from all free withdrawals worldwide provided that they withdraw from one of these subsidiaries (such as BGL in Belgium or BNL in Italy). Small bonus for prime customers: they take advantage of free withdrawals all over the world, whatever the distributor brand and the currency.

Last interesting point, Hello Bank cards! All have an NFC chip which allows contactless payment up to 50 euros. In addition, the bank supports Apple Pay (strong point of our opinion Hello Bank!), Google Pay and Paylib. This allows customers to record their bank card on their Android iPhone or device to use the latter as a payment solution.

Differences between Hello One and Hello Prime

For those who want to have a detail of each of the cards, we have made a hello one or Hello Prime comparison which will give you all the elements to know the difference between the cards. The principle is strictly the same for the attached accounts called Hello One Duo or Hello Prime Duo.

To start our comparison in this Hello Bank review!, Here is an explanation on the hello one offer: this offer has the advantage of being free and without income condition for its customers. For the past few months, Hello Bank still has been asking customers to use it once a month so that it remains free (otherwise it will be billed 3 euros). Boursorama Banque is more restrictive since it invoices 9 euros per month in the event of unused.

Among the specifics of the hello one formula, you should know that it is a card with systematic authorization, immediate and without authorized overdraft. The payment ceiling is 1000 euros over 30 rolling days and that of withdrawals at 400 euros over 7 sliding days. Payments are free all over the world. Withdrawals are free in distributors of the BNP Paribas network. They are billed 1.50% elsewhere, whatever the currency.

Second formula that we present in this opinion Hello Bank! : Hello Prime. The latter is higher than the first. This is seen, among other things, in terms of eligibility conditions. For Hello Prime, you must justify 1,000 euros in net income and pay 5 euros per month. When you know that it is the equivalent of a first card, it remains much cheaper than a traditional bank.

Among the advantages of Hello Prime, we can cite the fact that there is no cost on payments and withdrawals. It is an ideal card for those who travel. In terms of ceilings, this Hello Bank offer! is more flexible. It is conditioned by the customer income level, and can rise to 2,500 euros over 30 sliding days for payments and 1,000 euros over 7 days for withdrawals.

Among the many other advantages, we can cite cash facility (discovered), delayed flow or even insurance included. Hello Bank! also offers you all the instant sepa transfers to make payments without delay.

Insurance and guarantees included

Hello Bank! Abanders the Visa Classic and Visa Premier appellations. This does not prevent these cards from being similar to these two standards from Visa. This becomes current in industry since Boursorama Banque or Fortuneo have abandoned standard appellations.

In terms of insurance and guarantees abroad, Hello One and Hello Prime cards behave exactly like the Visa Classic and first. It is therefore logically that the Hello Prime version is the most complete and premium. It also justifies its price. Among the advantages, we have insurance for car, transport or accommodation.

The joint account at Hello Bank!

Now let’s move on to our Hello Bank review page! In the joint account of the bank. At the beginning of 2022, the attached accounts were also renamed to respond to the new standards of the online bank. So we have hello one duo on the one hand and hello prime duo on the other. It will also be necessary to prove a certain level of income to open a joint account of this standing. It is the same principle as for individual accounts.

To obtain a current account as well as two equivalent bank cards type Visa Classic Free (Hello One Duo), Hello Bank! Do not ask. To have 2 cards similar to the first visa (Hello Prime Duo) as part of the joint account, you must justify € 2,000 cumulative. Note that the Prime version also gives the right to 2 virtual cards as a bonus.

As for the validation of an individual current account, it will first be necessary to make a first payment of € 10 to activate a joint account. Right now, Hello Bank! Offer a bonus of € 80 for each hello prime duo common account opening, which in our opinion of Hello Bank! the best choice.

Beyond the fact that the two cards are associated with the same account, it is the management of the latter that is shared. Account holders will have access to the mobile application and the customer area and they also take advantage of advanced budget monitoring tools provided by the bank (SMS alerts, distribution of expenses, advice, etc.).

Everyone can trigger banking operations since this one, without having validation of the other. Let’s continue in the payments part, with part of our opinion Hello Bank! on cash facilities and the authorized overdraft.

Authorized overdraft cost

If everyday operations, the current account and the card are free, one of the points where Hello Bank! can charge you is the overdraft. We are very far from what we find in a basic bank. You should know that the online bank hello bank! does not take from an intervention commission per discovery day (the maximum imposed by the Banque de France is 8 euros day and maximum 10 days per month). It is therefore distinguished from all traditional banks and certain online banks like Monabanq.

There is only a variable part which is taken in the event of an overdraft. Online bank Hello Bank! offers a first authorized overdraft threshold of 250 euros per month. This authorized overdraft is billed at the rate of 8% annual (15 days per maximum authorized month) with a minimum of 7 euros per quarter. For example, if you were uncovered by 100 euros over the year, with a rate of 8%, you should pay 8 euros in costs – or 2 cents per day.

What penalizes the cost of the overdrafts are the fixed costs (intervention commission) that Hello Bank! do not invoice . Beyond 250 euros of cash facility, the customer goes into the unauthorized overdraft. Beyond, the rate climbs to 18.4% per year. This is once again correct in the absence of fixed costs. All these overdraft rates authorized in the bank and their price are negotiable with the counselors hello bank!, that are flexible. Then let’s move on in our opinion Hello Bank! to savings solutions.

Hello Bank savings booklets!

Like most banks, Hello Bank! A 2 types of booklets:

• The booklets regulated by the State (such as Booklet A, LDDS …) which are placements which are controlled by the government. The latter defined the rate of remuneration, the ceilings while the conditions linked to these savings booklets. The investments are not subject to tax and social contributions, they are guaranteed by the State, there is therefore no risk of seeing its capital go up in.
• Booklets not registered by the State such as the Hello Bank’s Hello Bank booklet!. This is a similar placement but which is offered and controlled by the bank. It is the latter which fixes the remuneration, the ceilings and the associated conditions. If the regulated booklets are capped, this is not the case with non-regulated booklets. The latter are eligible for the single flat -rate levy (30%).

Let’s continue our opinion Hello Bank! with the details of these savings booklets.

Booklet A, LDDS, PEL and young booklet

Below you will find a detail on all the regulated booklets offered by Hello Bank!. These are products that are popular among the French, starting with the booklet A. The latter combined no less than 324 billion euros in French savings on December 31, 2021. There were also more than 55 million Livret investments opened in France. Its ceiling is 22,950 euros, and the net return displayed has been 3% per year since February 1, 2023. LDDS is similar to the only difference that the last ceiling is € 12,000.

Among the other booklets, we find the Housing Savings Plan (PEL) or the famous Housing Savings Account (CEL) which allow to lay the foundations for a real estate project. The first offers a better yield than booklet A, and both have a higher limit than the booklet A.

We will also appreciate in this opinion Hello Bank! The fact that online bank turns to young people. This is one of the few on the internet to offer a young booklet for 12 to 25 year olds. Only Monabanq does so much. Note that the current account is also free for students provided that they have valid supporting documents. To do this, just request the support in the cat on the site.

Evolutionary savings booklet

While most online banks offer savings booklets with an operation close to booklet A, Hello Bank! is the only online bank with an evolving savings book called Hello+. As its name suggests, the rate changes according to the amount which is placed by the customer.

You should know that this hello+ booklet is not capped and limitless and that all the remuneration displayed are subject to the single flat -rate levy (PFU). For any placement between 0 and 49,999 €, the return on the savings book is 0.02% gross. Beyond € 50,000, it is 0.05% gross. The rates are still very low due to the current economic context but they should increase significantly in 2023.

In our opinion, Hello Bank! is a very good bank on the savings book. Overall, its Rivaux Boursorama Banque or Bforbank are offering similar yields at the moment. The online bank of the BNP Paribas group has always been among the excellent students on savings booklets. In the long term, if you want to make your capital grow, it is a very good choice.

Life insurance hello bank! : Opinion on placement

In recent years, we have seen the concept of bancassurance emerge. With Hello Bank!, The principle is respected. The online bank offers its customers the possibility of opening a life insurance contract, via a subsidiary of the BNP Paribas group (Cardif). This is a more remunerative placement than the booklet A which allows you to benefit from a tax advantage and which simplifies the transmission of the capital.

As in real estate and consumption credits that you will see below in our opinion Hello Bank!, Subscribe to life insurance requires that the person have a Hello Bank account!. The whole subscription to the life insurance contract is done on the web.

Subscribe to life insurance at Hello Bank! is done as follows: when filling the form, the customer must give information on his financial profile (defensive, aggressive, balanced) and he will then be suggested an allowance. This is divided between funds in euros which are guaranteed capital and UC supports (funds with unmarried capital).

To finish our game on life insurance in our Hello Bank opinion!, The rate of return displayed on the euro fund of life insurance hello! was 1.10% net of management fees in 2021. From this amount, it is then necessary to withdraw tax and social contributions (30%).

Mortgage

Let’s continue our opinion Hello Bank! With the habitat loan. While few online banks offer mortgage to their customers, Hello Bank! is one of those that also offer this type of mortgage. To be eligible for this Hello Bank credit!, It will be necessary to hold a current account as well as a card. If this is the case, you can then make a simulation with an agreement in principle within 48 hours.

Whether you want to buy real estate, buy land, buy shares in a real estate company or finance construction work on real estate, hello bank! is available to finance. Thanks to the expertise of her parent company BNP Paribas, she offers housing loans with rates much more advantageous than basic banks.

Unlike traditional banks, the request for a mortgage to do directly online, and Hello Bank! wants to be flexible at all levels. First, the record costs are revised downwards (250 €) and above all, they are fixed.

Then, the amounts that can be borrowed oscillate from € 10,000 to 2 million euros over a period between 2 and 30 years. Finally, know that Hello Bank! offer advantageous conditions to facilitate reimbursement. Furthermore, it gives you the opportunity to reimburse it early. Let’s continue this HELLO BANK opinion! with consumer credit.

HELLO BANK consumer credit!

All online banks do not offer this type of loan, so this is a privilege that you can enjoy at the Hello Bank bank!. Better yet, online bank offers rates that are preferential for the latter. In our opinion hello bank! is the best right now.

Previously, to claim to be able to subscribe to a consumer credit in the establishment, you must be a hello bank customer!. Once you have completed your registration to benefit from a current account and a free card, you will then be eligible for Cons Cons CONSO. As for housing credit, the demand for consumer credit is made by a 100% online form.

At Hello Bank!, Consumer credit is quite flexible: you can choose to finance a car, take a world tour, organize your wedding or even do DIY. In terms of amounts, Hello Bank! advance of the amounts located between € 5,000 and € 75,000, over periods between 4 and 72 months.

Once you have indicated your needs in the form, Hello Bank! Approve the request and the funds will be credits no later than 14 days after the signing of the contract. Our opinion Hello Bank! is positive thanks to the responsiveness of the advisers who intervene in the hours after the request.

Currently, the HELLO BANK Bank’s consumer credit interest rate! is breathtaking: 1.90% fixed TAEG for amounts between € 5,000 and € 75,000 over a reimbursement period between 4 and 12 months.

The mobile scholarship

In our opinion, Hello Bank! is also excellent with regard to the scholarship. The bank offers its customers financial instrument accounts to access all the financial securities of the market – whether it be shares, bonds or joint investment funds. There is no ceiling, no minimum deposit, or minimum detention duration.

Hello Bank! also offers equity savings plans (PEA). The advantage of this type of account is that your earnings are exempt from income tax as soon as they are reinvested in the PEA. You can schedule your investments or buy assets when that sings you, and you can of course sell your titles at any time at any time.

Finally hello bank! offers its investor customers a SME (PEA-PME) equity savings plan to allow you to invest in SMEs and ETIs. This allows you to buy and keep shares of French and European companies. But also SICAV, FCP, investment certificates, FCPR and FCPI.

Two courage offers are offered according to the amount of your investments. If you place purchase/sale orders for a figure less than € 3,000 per year, you have the start. Orders are offered from € 1.75 per unit with management fees, free subscription and reduced duties. Nevertheless, it should be noted that with this offer, if you place orders for a higher sum, the costs are not attractive.

The active offer reduces these costs to 0.20 % by order from € 8,000 – and offers free childcare rights, management fees and subscription.

Conclusion: our opinion on Hello Bank! (2023)

Let’s finish with our opinion on Hello Bank. Yes, the online bank of the BNP Paribas group is excellent. It offers two complementary formulas that meet very different uses. If you need a daily bank and you are never discovered, Hello One will be ideal. It is free and without income condition. And it will allow you to take advantage of all the products in the Hello Bank range!.

If you have a more intense use of your card with an overdraft need and want to delete costs abroad, Hello Prime is the right choice. For 5 euros per month (60 euros per year), you have a first visa card with extreme flexibility. A traditional bank will charge you almost 10 times the price for an equivalent service.

Bank’s strengths:

• The current account
• Operations abroad
• The Savings Booklet
• Consumer credit

Apart from all these services, it is the dynamics of Hello Bank! which participates in our opinion in its success. The online bank turned to innovation by starting at the start with a single free mobile application on iOS and Android (which has since been adapted for a very good quality web interface), an app for Apple Watch, as well as Its compatibility with Apple Pay and Google Pay. To this, she dared to offer new offers with Hello One to respond to the boom of neo-banks. Well done.

In conclusion, our opinion Hello Bank! is very positive and it is probably our favorite online bank. Its customer support is flawless and is organized and willing to help customers throughout their lives. All, at no cost for daily operations. HELLO BANK currently! Offer also discount of -50% for any hello prime account opening (during the first year) as well as 80 euros for any account opening.

Hello Bank reviews! : the word of experts and consumers

Customer service that does not understand anything but is there to resolve anything. They are not bankers but teenagers in the goguette. The tone is limited, that of “rue de la rue” it is the same telephone platform that tries to make us join Free. Fans, far from the pros that we can wait for me, it is a nurse who gives me the bite, not the concierge ! It’s the same for an online bank that would like to compete with the Germans

Hello, it is the worst banking experience that we observed. Incompetence and contempt against us. Hello bank of the BNP Paribas subsidiary does not bring any loyalty. To flee.

Opened an account with them in August I went to Thailand I receive a call telling me that my account will be closed without any reason I am a paraplegic not discovered no means of payment I will contact a lawyer so I do not recommend This bank and I have a bank account at the BNP never had an overdraft

Mediocre bank, suitable for young people or those with very low means but from the moment when we exceed the ridiculous ceiling of € 600 imposed is a completely different story. Request for justification, an endless expectation & above all my account blocked without any valid reason, just because according to them a first transfer of € 3000 is “shady”. Review the system of a “bank”, to flee !

Companies; Company or in your personal activities for a good start to year Ms. Chanpao Martine as an individual lending, I suggest many possibilities to resolve your financial problems and with a very reliable and fair reimbursement more email details: MartineleAchanPao@ Gmail.com

The worst online bank I know. Very long wait on the phone, minimum online services, a hassle to recover your money. I do not call it an ‘online bank’ since for a lot of operations you have to send letters, or move to the BNP Paribas agency. I do not recommend. I’m now at Boursorama, and it’s 100 times better.

Note Hello Bank!!

To give your opinion on Hello Bank!! You must be or have been a customer of this supplier

Note Hello Bank!!

THANKS ! In order to validate your opinion, a confirmation link was sent to the following address:

Your vote has been taken into account. THANKS !

How are the opinions collected, verified and classified ?

How are the opinions collected ?

Customers who have passed through Selectra to take out their contract receive, a few weeks after their subscription, an email offering them to leave an opinion on their supplier. In addition, any user can at any time submit an opinion by clicking on “Publish my opinion”.
The submission of an opinion does not give access to any consideration for the user.

How are the opinions verified ?

Selectra strives to publish only authentic opinions.
We ask each client submitting an opinion to certify on the honor that he was or is indeed a customer of the supplier on which he gives his opinion and to communicate to us a valid email address.
Each opinion submitted is then reread by Selectra is published only after this verification. Any notice that does not respect our moderation charter or from an unlikely email address will not be published.
When a customer has taken out a contract with a supplier via selectra and leaves an opinion on this supplier with the same email address as that used to subscribe to the contract, selectra adds the notice checked alongside the notice. Otherwise, no mention appears alongside the opinion because we are then unable to guarantee that the customer is indeed or has been a customer of the supplier.
None of the data collected by Selectra as part of the publication of reviews will be used for commercial purposes.

How are the opinions classified ?

The two opinions having collected the most positive votes on the part of the users are put forward. Among all the opinions having collected positive votes, opinions from verified customers have priority on other opinions.
The following opinions are classified by default from the most recent to the oldest, but it is possible to classify them in order of increasing or decreasing rating. When a supplier has received reviews from verified customers, then only the checked customer reviews are displayed by default. It is possible to display all reviews by deactivating the option “only verified customers”.

How is the note calculated ?

The note corresponds to the weighted average of all the grades received for the supplier. We have chosen to give more weight to notes from verified customers and recent notes. Consequently, for a given notice, the weighting factor P is equal to X * Y Or X is equal to 2 if the opinion comes from a verified customer or to 1 if the opinion comes from an unaccompanied customer; and or Y is equal to 1 for a notice of less than 2 years, 0.75 for an opinion between 2 and 3 years, 0.5 for an opinion between 3 and 4 years, or 0.25 for opinion of more than 4 years.

What are the offers of Hello Bank are! ? The 100% online offer from the BNP Paribas is based on the physical network of the French bank and now has more than 3 million customers in Europe. Like them, should we open a bank account at Hello Bank! ? Selectra gives you his opinion and that of consumers.

Details of the offers

✔️ Current account
✔️ Teenage account
✔️ Joint account
✔️ Pro account
✔️ Savings
✔️ Real estate credit and personal loan
✔️ BOURSE

• Hello Prime: 0 €/month
• Hello One: € 5/month

✔️just that 180 € of advantages

Google Play: ⭐ 3.7/5
Apple Store: ⭐ 3.2/5

• Attractive rates, most daily services are free
• Overdraft
• Very varied product range
• Apple Pay, Paylib payment

❌ No digital safe
❌ No code consultation in the event of forgetting and shipping costs to recover your code (long and paid)
❌ No personalization of your card code
❌ No mobile payment via Google Pay

Updated data in September 2023

Hello Bank! : Take advantage of 180 € offered with Hello Prime and Hello One !

Here is the detail by offer:

• One: € 80 offered for any 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +)
• Premium: 80 € offered for all 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +) + € 1 per month for 6 months

Take advantage of this offer from August 17 to October 9, 2023

Hello Bank! : general opinion

✔️ Attractive rates, most daily services are free
✔️ Discovered authorized
✔️ Range of very varied products
✔️ Mobile application with HELLO BANK positive reviews
✔️ National Network of BNP Paribas agencies
✔️ A checkbook.
✔️ Customer service reachable by phone 6J/7

❌ Systematic authorization cards
❌ No intermediate offer
❌ Prices raised on exceptional operations
❌ No Google Pay
❌ income conditions (hello prime)

Updated data in September 2023

The advantages in short

THE main advantages of Hello Bank! are :

• Competitive prices for current operations : With the exception of the Hello Prime card (the cost of which is € 5 per month), all the bank cards from Hello Bank! are free (sometimes under conditions). Most current operations are also free. Finally, note that the Hello One card is accessible free of charge and without income condition.
• A full -fledged bank : Hello Bank! has the advantage of being an online bank but also of having a network of agencies, in this case that of the BNP Paribas. Thus, its customers can not only carry out online operations on a very intuitive and ergonomic application, and also make check deposits in agency as well as species deposits, which constitutes a plus for certain profiles.

Disadvantages in short

However, Hello Bank! has some drawbacks ::

• No intermediate offer: Hello Bank! offers two individual current account offers, an entry -level Hello One and a high -end HELLO PRIME offer, some may regret the absence of an intermediate offer.
• Sometimes high prices for more exceptional operations : on peripheral costs concerning exceptional operations (costs abroad, change of bank card, etc.), the bank offers banking rates in the average compared to other online banks. For example, the intervention commissions are free but payment incidents are charged very expensive.

Selectra’s opinion in a few words hello bank is distinguished by his Large panel of free bank cards and his very open access conditions. Thanks to BNP network, It allows its customers to carry out certain operations at the counter (checks and species deposit). With some competitive prices For current operations, Hello Bank! However is the high average on the prices of exceptional operations compared to other online banks.

Compare online banks to compare Hello Bank’s offer to other online banks, consult our online banks comparison.

Detailed opinion by Service Hello Bank!

The bank account at Hello Bank!

In short

Hello Bank! offers a bank account at no cost of accounting and the current operations are free (Opening and account holding, withdrawal in the euro zone, SEPA transfers and direct debits, opposition, access to accounts 24/7). Some exceptional operations are nevertheless paid. The account holder benefits from a free bank card by choosing Hello One.

A Minimum net monthly income is required for the visa hello prime offer but for non -eligible people, it is still possible to open an account with a HELLO ONE VISA.

The opening account The opening of an account at Hello Bank! is fast and 100% online via in particular the electronic signature. The online bank also offers a free and fast account transfer service. In addition, Hello Bank offers a Welcome bonus: Hello One: € 80 offered + € 100 in vouchers (for any banking mobility with Hello Start +) For the opening of a Hello Prime account.

Our opinion

Our experts share a HELLO BANK positive opinion!, Indeed it stands out from the competition by offering its customers a Completely free banking offer on a daily basis ::

• free bank card;
• absence of account holding costs;
• free traditional current operations.

In addition, online bank benefits from BNP Paribas network, To improve customer experience and simplify their lives. It is indeed possible for Hello Bank customers! to deposit checks directly in agencies of the BNP Paribas network.

On the other hand, if the simplicity and the gratuitousness of daily operations is obvious, it is clear that the prices linked to exceptional operations are relatively higher than those practiced by the competition.

Hello Bank bank card! : in short

Hello One
0 €/month

Hello prime
5 €/month
Choose

✔️just that 180 € of advantages

✔️just that 180 € of advantages

International visa card with systematic authorization

✔️ Immediate debit | ❌ Delayed

International visa card with systematic authorization

✔️ Immediate debit | ✔️ Delayed flow

✔️ No income condition

from € 1000 in net income per month

❌ No insurance coverage

✔️
Subject to acceptance by the bank

up to € 2,500/30 days

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

Updated data in September 2023

Our opinion

The main highlight of the Hello Bank bank card offer! is his absence of cost. Apart from the Visa Infinite and Visa Hello Prime card, customers have access to 3 free bank cards. The Hello Bank offer! is the most complete on the market on this market in that it offers 4 bank cards, against 3 for most of its competitors online. However, the Visa Premier and Visa Classic cards are now reserved for the opening of a joint account, which limits the diversity of the offer.

In addition to the Visa Electron card, Hello Bank! recently offered the card HELLO ONE VISA allowing the customer to benefit from a free current account Without income condition. This card is less limited; Among other things, payments outside the euro zone are free and payment ceilings and withdrawals are higher.

What to think of the hello one offer ? This offer is very accessible Since it is without income and free condition. It includes A current account without account holding costs and a system with systematic authorization without visa guarantees. Hello One offers greater possibilities than the Electron visa, including free payments worldwide as well as withdrawal and payment ceilings (respectively € 400 over 7 days and 1000 € over 30 days)

Hello Bank joint account! : notice

In short

The hello bank joint account! offers online banking customers same advantages as a traditional current account, And this for the two bank cards:

• The two bank cards are free (Visa Premier and Visa Classic);
• withdrawals and a large part of current operations are free.

In addition, management of the joint account is very simple via The Hello Bank application!, which allows to consult and carry out operations on the joint account at any time.

Our opinion

The joint account therefore allows its customers a management of the personalized, reliable, secure account, an unequivocal availability and simplicity. However, and like the classic current account, the prices for more exceptional operations are relatively larger than in other banks.

Which attachment to choose? To compare the HELLO BANK’s joint accounts offer! To other online banks, consult our comparison of the best attached accounts.

Hello Bank booklet! : Savings opinion

In short

The online bank offers Several savings booklets, of which :

• THE traditional booklet A regulated whose rate is set at 2 % (in force since 08/01/2022) and whose ceiling is limited to € 22,950.
• THE hello savings booklet+ : It is free, with progressive remuneration (0.2 % gross for lower funds € 10,000, 0.4 % for funds greater than € 10,000, 0.6 % for funds greater than € 50,000 and 1 % beyond € 100,000) and without ceiling. In terms of taxation, the interest is taxable, the withdrawals being taken directly by the bank. Finally, its fence is free at any time.

Our opinion

The hello+ savings book is truly relevant when savings are important since beyond € 100,000 it is paid to 1 %. Below this threshold, booklet A is an option that could not be more relevant to online banking customers, although very classic and relatively limited in terms of remuneration.

Placement on the stock market with Hello Bank!

In short

For holders oflife insurance, of Savings plan in actions (PEA) or a Financial instrument account (CIF), investment funds make it possible to diversify the investment portfolio.

HELLO BANK life insurance comparison! has a very complete and interesting savings catalog, however its life insurance offer is the same as that of the BNP Paribas with contracts type Multiplace 2, multi -place Avenir, and Multiplacement Avenir. Selectra supports you to choose the best life insurance offer, consult our Comparison of the best life insurance in 2022.

The CIF gives access to the financial securities of the market such as shares, bonds and common funds (FCP). As for investments on a PEA, they are necessarily directed to the financing solutions of French and European companies. Finally, PEA-PME allows you to invest more specifically in SMEs and ETIs based in France and Europe.

Hello Bank! propose Two scholarship offers Online adapted to stock exchange, without childcare rights, or management or subscription fees:

Start offer		Active offer
Listed values ​​on Euronext	Free		Free
Brokerage fees / order	€ 1.75 up to € 500 € 3.50 between € 501 and € 1,200 8 € between € 1 201 € and 3,000 € 0.48 % beyond		13 € up to € 8,000 and 0.20 % beyond
Fixed costs	Euronext	Free	Free
	Madrid, Milan, London, Zurich and Frankfurt	25 €	25 €
	NYSE and NASDAQ	15 €	15 €
	Other markets (proportional commissions)	0.55 %	0.55 %

Our opinion

Undoubtedly stock market orders at € 1.75 Place Hello Bank! as one of the most advantageous online banks in terms of stock market offers. In addition, the bank offers two offers adapted to the different categories of people who wish to invest in the stock market. However, lack of access to investment funds known and recognized prevents the customer from giving blind confidence in Hello Bank!.

Credit at Hello Bank!

In short

Hello Bank! propose Three different credit offers ::

• A mortgage offer
• A consumer credit offer
• A car credit offer

Hello Bank! offers a Real estate credit offer without case costs and with simplified procedures. The customer can thus modulate his monthly repayment monthly payments if his financial situation evolves. The online mortgage request is processed within 48 hours with a first response in principle.

How to ask for a hello bank mortgage! ? To solicit a mortgage, you have to Subscribe before a current account Hello Bank!. The amount of depreciable loan is unlimited (€ 3,000 minimum) and the reimbursement time is between 2 and 30 years. Guarantees and subscriptions to insurance contracts are required.

For the Consumer credits, The fixed taeg proposed by Hello Bank! is 1.99 % for a loan of € 5,000 to € 75,000 and a reimbursement spread over 13 to 48 months. For example, for a consumer credit of € 5,000 over 12 months with a 1.99 %TAEG, the amount of deadlines (excluding subscription to optional insurance) is € 210.47. The total amount due then amounts to € 5,051.28.

Hello Bank! Finally offers a car credit. Apart from promotional offers, this loan can range from € 1,000 to € 75,000 with a repayment period spanning 4 to 108 months.

Our opinion

OUR Hello Bank reviews! is rather postal. Indeed, the advantages of credit offers at Hello Bank! are many :

• of the advantageous rate, among the lowest on the market;
• secure credits 100% online;
• A tailor-made and personalized offer from € 1,000;
• A simple and adaptable refund, according to the needs of the customer.

A credit commits you and must be reimbursed. Check your repayment capacity before you commit.

• Best Personal Loan Offers 2023
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Customer service and Hello Bank application! : our opinion

Hello bank application and customer area! : Test and opinion

The Hello Bank mobile application! is intended to make life easier for hello bank customers! especially when these are on the move or traveling. Simple and intuitive, It is available on Android, iOS and Windows Phone. The identification is secure and accelerated thanks to the Touch ID (Digital imprint) and Face ID (facial recognition) features (facial recognition).

In addition, the Hello Bank mobile application! Contains the functionality Paylib, A simple and secure contactless payment solution that prevents the customer from having to take out their bank card. Paylib also works from a computer, tablet or mobile to pay online purchases.

Finally, thanks to Hello Watch, It is possible to consult your accounts directly from your connected watch and call customer service if necessary.

Want to know more about banks apps ? Quickly discover our ranking of the best banking applications !

What is hello bank customer service is! ?

Regarding customer service, 250 expert advisers Based in France are available answer the questions and requests from customers, 6 days a week and until 10 p.m. Hello Bank customer service! is also available by chat, telephone and social networks, which makes hello team very accessible.

That consumers think of it ?

Consumer opinions

That users appreciate ? In positive opinions, customers welcome simplicity and ease with which they were able to open an account and receive the welcome offer. Nonexistent costs on current operations are also appreciated. Customer service is rented for its responsiveness and availability.

Here is an example of a positive review on Hello Bank! :: Very good online.
Customer for a few months, I am completely satisfied with this bank. Account opening and very fast CB receipt. Customer service is very responsive and competent. The icing on the cake, it is the only online bank to offer LEP (4.6%), and € 80 at the opening of the account. Lionel’s opinion, 09/11/2022 on Trutpilot.

What disappoints users ? On the side of negative opinions, customers regret the additional cost linked to certain exceptional operations and a customer service which, for lack of dedicated advisor, is not up to customer requirements in terms of the quality of the advice given. Especially since the waiting time linked to certain operations, or if only when opening an account, is sometimes too long and unjustified.

Difficult and very long customer service to reach. Very medium CB features and I was billed on a free card, despite compliance with the condition of using minimum CB per month. Objective notice because compared to the use of a fortuneo card used in parallel. Opinion of Gil_kfr, on 09/15/2022 on Trutpilot.

Hello Bank! or Boursorama Banque ? The comparative

Boursorama Banque and Hello Bank! are now part of the benchmark online banks. What are their main differences? Should we prefer to each other?

• In terms of current account and bank cards, Hello Bank! offers a more advantageous offer than Boursorama. Indeed, the entry -level offer of Boursorama has no minimum income condition, but an operation must be carried out per month to take advantage of the free bank card. Hello Bank! does not have such condition. The 30 -day payment ceiling is slightly more practical for Boursorama customers (€ 600 against € 500 for Hello Bank!)).

• In terms of savings booklets, The offers from Boursorama Banque and Hello Bank are generally equivalent.
• In terms of credit, The Hello Bank offer! is more diverse (3 offers for Hello Bank! Against 2 for Boursorama) but the loan rate is slightly more accessible at Boursorama (0.99 % against 0.95 %). However, note that Hello Bank! strives to offer the most personalized credit possible for its customers.
• In terms of stock market offers, Boursorama Banque has the merit of offering quality trading analysis tools as well as an ergonomic platform. The prices are however to the advantage of Hello Bank! With stock market orders at € 1.75 against € 1.99 at Boursorama.

Finally, if some users criticize client service of the two online banks, that of Hello Bank! is available at more extensive hours than that of Boursorama.

Offer	Hello Bank!	Purse
Current account and bank cards	⭐⭐⭐	⭐⭐
Saving	⭐⭐	⭐⭐⭐
Credits	⭐⭐	⭐⭐
Stock market offers	⭐⭐⭐	⭐⭐
Customer service	⭐⭐	⭐