CB International visa with systematic authorization

CB International visa with systematic authorization

CB Gold Mastercard

From € 1000 in net income per month

• Immediate flow: none
• Delayed debit on request: € 1,500 net of monthly income (without a domiciliation of income)

€ 1,800/month (net income)

✔️ Acceptance on request

✔️ Acceptance on request

✔️ Acceptance on request

up to € 1,000/ per week

Up to € 2,000/ per week

€ 1,000/ per week

up to € 2,500/ 30 days

Up to € 20,000/ 30 days

✔️ at no cost and limitless

✔️ at no cost and limitless

✔️ at no cost and limitless

✔️ at no cost and limitless

✔️ at no cost and limitless

✔️ at no cost and limitless

✔️ at no cost and limitless

✔️ at no cost and limitless

Updated data September 2023

�� F.HAS.Q hello prime

�� Hello One or Hello Prime: What account to choose ?

It all depends on your need! Hello One is a free offer and without income conditions. It does not present any insurance coverage and does not allow the overdrafts. Hello Prime allows you to have access to a wider service offer: insurance coverage, discovered, delayed flow, virtual card, free instant transfers . The two cards offer the same prices abroad. In short, Hello One will be more suitable for a person who does not wish to pay banking services and does not need insurance and assistance services guarantees. If you want more banking flexibility and better coverage during your travels, Hello Prime will be more suitable for your profile.

�� Hello Prime VS Ultim de Boursorama Banque: What is the best card?

The price and income conditions are the main differences between Hello prime And Ultim from Boursorama Banque. Hello prime costs 5 euros per month when Ultim is free (provided you make at least one transfer per month with the card otherwise, 9 euros will be taken from your account).

In short, Boursorama Banque is more accessible Because does not require income conditions if you choose a card with immediate debit. Hello Prime offers more flexibility with the possibility of choice of flow and without differences in income conditions. The two online banks offer the same rates for all payments, withdrawals and transfers abroad.

For more details on the two offers, you can find our comparative study between the two online banks Hello Bank! or Boursorama Banque

�� How to get the HELLO BANK sponsorship bonus! ?

There Hello Bank sponsorship bonus! consists of 20 € for the godfather And 80 € for the godson. He may also benefit from a 50% reduction on his contribution to Hello Prime or Hello Prime Duo for 1 year.

Change dimension with Hello Prime

* Supply of a debit card (international payment card with immediate debit) or supply of a debit card (International payment card with delayed debit): Hello Prime and virtual card Hello Prime.

The free premium HELLO offer for 6 months*

* 6 months of free subscription, then 5 € / month then. Offer valid for any subscription to the Hello Prime offer until 12/31/2023, reserved for Hello Bank customers! holders of an individual deposit account, subject to acceptance by the bank.

6 months offered ..
Access the many advantages of the Hello Prime offer.

Manage your daily expenses with ease

• Your operations card visible in real time (4) to better control your budget.
• Your payments and withdrawals by card at no cost (1) everywhere in France.
• All your free instant transfers: the beneficiary immediately receives money. (2)
  Very practical when you forgot to pay the rent or even reimburse your friends !

Go on vacation with the light spirit

• All your payments and card withdrawals are free of charge (1), all over the world.
• With the Hello Prime card, you benefit from insurance and assistance.
• And if you are flying your card abroad, we help you out. (5)

For you, we want to release the big game

• Need to contact us ? You have the priority (3) (by phone or using the secure messaging of your customer area (6)).
• A card that has class, like you !

Adept of online purchases or with your mobile ? With the virtual card, it’s so easy

• A card available in your 24/24 application.
• From a simple tap, you can copy the card number to make your purchase online.
• Between two purchases, you can block your card for more security.
• Always available in your phone to pay in store with your favorite mobile payment application (Apple Pay (7) or Paylib (8) with activation from the LYF application (9)).

How to subscribe ?

1. Choose the account HELLO BANK individual deposit!
   to which you wish to attach the offer.
2. Check your personal information.
   This is important to sign the contract and receive your card at the right address.
3. Consider the advantages of the Hello Prime offer and its characteristics, and choose the type of debit of your cards.
4. Electronically sign your contracts.
   Your Hello Prime card will be shipped to you.
   In the meantime, you can use your Hello Prime virtual card. It is immediately available in your customer area.

You keep your deposit account and take advantage of these advantages

• Check your account in real time, thanks to the Hello Bank app!. Your balance is visible in real time. (1)
• Stay informed thanks to notifications (10): “My balance is below the threshold set € 200”, “The ceiling of my card is reached more than 80%”, …
• For your online international transfers, take advantage of real -time exchange rates (11) for 36 currencies (12) and 0 delivery costs excluding margin of exchange in the motto of the country. (13) Valid for example for a transfer in sterling pounds (GBP) to the United Kingdom or in Moroccan dirhams (MAD) to Morocco.
• By subscribing to the HELLO PRIME offer, a new cash facility will be allocated to you.

As a couple, in roommate or just for two ?

Take a look at the Hello Prime Duo offer ! Discover

Details of the offer

• The Hello Prime offer, what is ? How much does it cost ?

Subscribed to your individual hello bank individual deposit account!, The Hello Prime offer includes:

• a Hello Prime card, to which insurance and assistance guarantees are attached;
• a Hello Prime virtual card;
• a cash facility;
• Free instant SEPA transfers (2);
• Priority access when you contact the Hello Team (3) .

Rate
The Hello Prime offer is at a price of € 5 per month (excluding promotional offer (14)).
Find all hello bank prices! here. Duration
Without commitment to duration (indefinite contracts).
Terminated at any time under the conditions provided for in contracts.

The hello prime offer can be taken out, subject to acceptance by the bank, by: by:

• 1 adult natural person capable, holder of an individual hello bank deposit account! ;
• French resident;
• acting for non -professional purposes;
• Having a minimum of € 1,000 in net income per month (before taxation) for all co -ownership.

I already have an individual account without a card or with a Visa Classic, Premier, Electron, Origin or Infinite card.

You can keep it and benefit from the Hello Prime offer. You will have to sign a new account agreement (15) at the same time as the signing of the Hello Prime offer contracts.

By subscribing to the Hello Prime offer, you accept the termination of your old cards and your cash facility possibly held.

Rest assured ! HELLO PRIME Cash Ease will take over as soon as the offer is subscribed and you can use your old card until activation of the Hello Prime card (or failing that 30 days after signing the Hello Prime contract). Click on “Subscribe” and let yourself be guided !
I have a hello prime offer and I want to go to the hello one offer:

1. 1 appointment in the “My Accounts” section
2. 2 Click on “My offer”
3. 3 then on “Subscribe to the offer”

1. 1 appointment in the “My space” section
2. 2 Click on “My offer”
3. 3 then on “Change for Hello Prime”

Change tempts you ?

Know that the first change of offer is free. The following are billed € 5.90.
During the change, you keep your current individual deposit account.

The subscription of the hello prime offer leads to the termination of the hello one offer. You keep your Hello One card until the activation of your new Hello Prime card (up to one month after subscription of the Hello Prime offer).

In the event of the exercise of your right of withdrawal, within the deadlines and conditions indicated below, you keep your individual deposit account. If you want to return to the hello one offer that you have terminated, you will have to take out this offer again.

I don’t have an individual account
Contact the hello team on 01 43 63 15 15 (16) to open an individual account. You can then subscribe to the Hello Prime offer directly from the HelloBank site.FR or the Hello Bank mobile application!. (6)

Need to increase my ceilings

A significant expenditure in sight ?
Check where you are using your HELLO PRIME CARE Ceiling (payment or withdrawal ceiling) to avoid being blocked ! Go to the Hello Bank application!, Payments section. If the amount of your purchase may have this ceiling exceeded, you can:
• Use your virtual card (if its ceiling allows it);
• Check if it is possible to temporarily increase the ceiling of your card directly from your customer area. (6)

Choose one of the amounts offered, an end date (at 3 months maximum) and validate. It is immediate.

We offer you payment and withdrawal payment ceilings with the regular payments you make on your Hello Bank accounts!.

If you want to have more important amounts, contact the Hello Team (16) which will study your request. The modification of the ceilings of your card remains subject to the bank agreement.

I use my Hello Prime card a lot and I need to increase the ceilings every month ?
Contact the Hello Team (16) which will study your request.
The modification of the ceilings of your card remains subject to the bank agreement.

The provision of my cards.

• Your virtual card is available immediately from your customer area on the HelloBank site.FR or the Hello Bank application!. (6)
• Your Hello Prime card is sent to you by post.

Payments and card withdrawals.

• Payments at no cost all over the world. (1)
• Withdrawals at no cost in France and all over the world. (1)
• Your cards give access to CB and visa payment networks. Visa is the world’s leading world acceptance network, located in 200 countries.

Contactless payment

• Thanks to contactless payment available with your Hello Prime card, no need to enter your confidential code for your purchases of an amount less than or equal to € 50. Just affix your hello premium card on the payment terminal compatible for a few seconds to pay.
• You can deactivate contactless payments at any time via your customer area. (6)

The type of flow

• Immediate flow ?
So that your payments are debited over the water, opt for immediate flow. (17) The amount of each payment and withdrawal by card is debited directly on your account, day by day.
• or delayed flow ?
Need more flexibility ? With the delayed flow (18), your withdrawals are debited without delay but all your card purchases are debited in one go, at the end of the month. Check, a few days before the end of the month, that the balance of your account will cover all your expenses (cards and also withdrawals, permanent transfers, etc.).
Tip: Remember to make a transfer before the end of each month to avoid being in the red.
• You choose the type of flow For your 2 cards when subscribing. The type of debit chosen will apply both for the Hello Prime card and for the virtual card. You can modify it on request from the Hello Team. (16)

My real -time cards operations.
The balance of your individual deposit account visible on the site and the hello bank app! Instantly take into account operations carried out with your cards (2):

• Payments, including mobile payments, for a hello prime card or a hello immediate debit virtual card; This will not be the case for delayed debit cards;
• Withdrawals for the Hello Prime card, regardless of the type of flow.

This balance is displayed as an indication to help you better manage your budget. Only your statement of account is proof of operations actually recognized on your account.

Management of my cards
Manage your cards in real time directly from your customer area on the HelloBank site.FR or the Hello Bank application!. (6)

• Block / unlock your cards You don’t have your card on you ? You don’t use it for a while ? Blocked temporarily to block all your payments and withdrawals (19), from your customer area on the HelloBank site.FR or the Hello Bank application!. (6)
You can unlock it at any time when you need it.

In the event of theft or loss of your card data with or without fraudulent use, Object immediately In order to prevent any payment. The blocking of the card is not an opposition.

• Disable / reactivate certain payments and withdrawals

For the Hello Prime card:
• Payments and withdrawals in France or abroad (by geographic area)
• Online payments
• contactless payments in store For the Hello Prime virtual card:
• Online payments
• Mobile payments in store (subject to recording your Hello Prime virtual card in your mobile payment applications (Paylib with activation from the LYF application, or Apple Pay), these are payments made thanks to the NFC technology of your smartphone.))

In order for the blocking or deactivation of payments and withdrawals to be effective, the merchant’s payment terminal must be connected to its bank. Certain transactions, when the merchant’s payment terminal is not connected to its bank, such as payments to parking lots or tolls, could however be made.

To pay with my virtual card when the ceiling of my Hello Prime card is reached.
You only use your Hello Prime card and the payment ceiling is almost reached ? Your virtual card has its own ceiling.
You can use it for your online purchases or to pay with your smartphone (after saving your virtual card in your favorite payment application: Apple Pay (7) or Paylib (8) with activation from the LYF application (9 )).
To pay more easily online.
Tired of entering the 16 digits of your bank card ? With the virtual card, you can copy the number of your card with a simple TAP and paste it in the space reserved for entering your card number to pay online.
To secure your online purchases if you wish.
You can reserve the use of your virtual card for your online purchases. By blocking it between two purchases, you secure your card more. Just remember to unlock it before the next purchase !
Payable in stores.
Save your virtual card in your favorite mobile payment application (Apple Pay (7) or Paylib (8) with activation from the LYF application (9)). You can then pay without contact directly with your smartphone.
To have a emergency card if necessary.
The virtual card is a different card from your Hello Prime card.
Because 2 cards are better than one: if you have to oppose one, the other is available. Ditto if you forget your HELLO PRIME AUX HOME CARD: your virtual card is available 24/24 in the hello bank application!.
The virtual card is available upon subscription ! Very practical while waiting for the arrival of your Hello Prime card.

The virtual card does not allow to make cash withdrawals.

You have a hello prime offer without virtual card ?
Since 12/13/2020, the Hello Prime offer includes the Hello Prime virtual card ! To add the Hello virtual card to your offer, without additional costs, call the hello team. (16)

The virtual card is a dematerialized payment card which allows you to pay your purchases online and make payments by mobile if you record it in Paylib (8) (activation from the LYF application (9)) or in Apple Pay. (7) It is available on your customer area from the HelloBank site.FR or the Hello Bank application! (6)
To use it:

1. 1 Install, if not already done, the digital key on your smartphone. It allows you to secure access to data from your card
2. 2 Display your virtual card data: number, end of validity and cryptogram (19) . For security reasons, this data is hidden when you access your personal space.
3. 3 Copy your card data to make an online payment or simply add your virtual card to Paylib (activation from the LYF application) or Apple Pay to pay in store.

Insurance and assistance guarantees included in the Hello Prime card.
A car for rent, a trip to cancel, medical costs abroad, a ski accident ?
You are covered thanks to insurance and assistance guarantees included in your Hello Prime card, and extended to your virtual cards as part of the Hello Prime offer. The table below syntheticly presents insurance and assistance guarantees, subscribed by BNP Paribas to Europ Assistance. (20)

• Cancellation or travel modification
• travel interruption
• rental vehicle
• plane delay
• SNCF train delay
• Flight, loss, damage to luggage
• luggage
• Snow and mountain stay
• Death or disability
• civil liability abroad

• medical assistance, medical costs and other reimbursements
• Travelers assistance

To find out the details of the guarantees, their amount, the conditions of application and their limits, consult the insurance and assistance instructions: Hello Prime card insurance
HELLO PRIME CARD ASSISTANCE Summary tables are available from page 2 of documents.

Troubleshooting solution in the event of loss or theft of your hello prime physical card, abroad.
In the event of loss or theft of your hello prime physical card abroad, you can benefit from troubleshooting solutions. This service is provided by Visa according to the conditions defined by this network, which may vary over time depending on the country concerned.
Before your departure :
We advise you to contact Visa customer service dedicated to the Hello Prime card at +33 1 40 14 10 10 (16) to find out the terms of the breakdown service abroad in the country in which you go. Save the phone number of customer service HELLO PRIME and keep it on you during your stay !
During your stay abroad:
A problem with your Hello Prime card ? Do not panic ! Contact customer service card Hello prime and take advantage, depending on your situation:

of the Provision of a replacement card Provisional (22):
• Shipped within 72 hours on average (the delivery time depends on the country concerned);
• issued by private carrier (DHL, FEDEX, UPS or TNT) to an agreed address with you;
• Valid for 2 months maximum; When you return to France, we will provide you with a new Hello Prime card that will take over from your provisional card. and/or a cash advance in local currencies:
• Until the equivalent of € 1,800;
• delivered in the bank adherent to the nearest visa network;
• And the amount of which is debited on the Hello Bank account! associated with your card.

We draw your attention to the fact that in some cases, in particular with regard to the country concerned, no troubleshooting solution can be provided to you.
While waiting to be troubled, you can use your virtual card for your online payments or if merchants accept NFC mobile payment.

Yes, your HELLO BANK individual deposit account! Can be debtor thanks to the cash facility of the HELLO PRIME offer:

• within the limit of an amount agreed to your cash facility agreement (the contract);
• Over a maximum duration of 15 days per period of 30 consecutive days.

Under the following conditions:

• Maximum authorized amount: according to your contract;
• Agios (interest) are collected at the conventional nominal rate indicated in your contract as soon as your individual account is debtor. On 07/01/2022, for example, if the maximum authorized amount is 300 euros and you are a debtor of 300 euros for 15 consecutive days, you pay interest at the conventional nominal rate (23); 9.94% or an overall effective annual rate (t.HAS.E.G) (24) (excluding promotional offer) of 20.44%. The duration of the period is daily.

In the event of exceeding your cash facility, you will also be liable for agios (interest) at the conventional nominal rate increased on the amount of exceeding, as provided for in your contract, which includes all the applicable financial conditions. You are responsible for reimbursement of the sums due for your individual deposit account. The conditions for your cash facility (amount, agios rate) are specified when subscribing to the Hello Prime offer; The amount of the cash facility granted is adapted to your situation.

With the instant transfer (2), you can credit in less than 10 seconds (20 seconds maximum in the event of an exceptional treatment difficulty) the accounts of your beneficiaries. The transfer must be occasional and its amount must not exceed the ceiling authorized by BNP Paribas. Your beneficiary must have an account eligible for the reception of instant transfers, in an establishment also offering this service. With the Hello Prime offer, all your instant separate transfers are free.

Thanks to the Hello Prime offer, you benefit from priority access to Hello Team. Need advice ? An emergency to be treated ? Contact the hello team:

• either by phone by calling from the mobile phone number communicated to the bank (subject to the recognition of the number),
• Either via your secure messaging. (6)

Your request will be processed as a priority.

You can withdraw free of charge (apart from any postal shipping costs) by any means at your convenience: by mail to the address appearing on the withdrawal slip or via your customer messaging accessible from your secure space, using, if you The wish, the withdrawal form model attached to the contract (s). Your request must specify that this is a request for withdrawal (it must be devoid of ambiguity) and sent before the expiration of the 14 -day calendar period from the date of conclusion of the hello prime contracts. What happens next ?
The Hello Prime offer and all the products and services included in it are immediately terminated (including cards). If you have signed a new deposit account agreement when subscribing to the offer and you also retract from the latter, you keep your account under the conditions of your old agreement.

That can cancel ?
You can terminate the offer.
The bank may also terminate the HELLO PRIME offer subject to a notice of 2 months, or immediately in the event of seriously reprehensible behavior or the occurrence of an event provided for in the contract. How to terminate ?
To terminate, send a message to the hello team from the personalized mailbox of your customer area. (6)
If you have several accounts, remember to specify the account concerned by the Hello Prime offer. What happens next ?
The termination of the hello prime offer leads to the termination of all the products and services included (including cards). The latest contribution from the hello prime offer is calculated Prorata temporis and taken at the beginning of the month following the termination of the offer.
The termination puts an end to cash facility and you will no longer be authorized to have a debtor account (the bank will be obliged to reject your operations, which may generate costs or even a banking ban). If your account is debtor, in order to avoid any collection of costs on behalf of debtor, we advise you to regularize your situation before terminating the offer.