Travel abroad | Hello Bank! Online banking, Hello Bank rate: you know all about Hello Bank costs! | Hellomonia
Everything about Hello Bank costs
You can reach a hello bank advisor! From Monday to Friday from 8 a.m. to 10 p.m. and Saturday from 8 a.m. to 6 p.m., excluding holidays on 01 43 63 15 15.
Travel abroad
We accompany you: Tips, tips and good deals to help you manage
your budget before, during and after your stay !
Vacation, business trip … Several reasons may justify a stay abroad. To best prepare your stay, you will find below our recommendations regarding the procedures and tips for a well-organized trip.
How to establish your budget ?
Preparation of your trip
1st step: Remember to establish a checklist of expenses to be expected before going abroad, some examples:
- Transportation
- Passport/Visa
- Vaccines
- Equipment (luggage / camera. ))
- Travel guides
- Accommodation
- Restoration
- Local travel expenses (taxi, vehicle. ))
- Activities
The essentials to check on your bank account:
– Is your bank account sufficiently supplied ? Remember to check that your assets are sufficient to cover all the expenses related to your trip and thus avoid, for example, payment incidents during your stay.
– Is the amount of your cash facility sufficient ? Make sure your cash facility will allow you to cover your costs if necessary !
– Is your bank card suitable ? Withdrawal and payment ceilings, immediate debit or delayed debit ..
Good to know: personalize the ceilings of your bank card A departure on vacation, an unforeseen expense ? Adjust at any time, from your customer area* or the hello bank app!, Your payment ceilings and withdrawal ceilings: The personalization of your card ceilings is immediate and temporary for a maximum duration of 3 months, subject to eligibility **. Modify my ceilings Carte *Subscription to remote banking services (Internet, landline phone, SMS, etc.): free and unlimited, excluding communication cost or provision of internet access and excluding alerts by SMS
** Temporary modification of the withdrawal and payment ceilings within the limits of those provided for your bank card and subject to acceptance by the bank. Free service reserved for major private customers.
How to settle your expenses abroad ?
- With the Hello Prime card, it’s simple like hello: all your payments and card withdrawals are free of charge* !
- With the Hello One card, all your payments are free of charge*. Your withdrawals are free of charge* in the distributors of BNP Paribas and its subsidiaries (Global Network network).
- With an Electron ** Visa card, Hello Origin, Visa Classic, Visa Premier or Visa Infinite, remove money at no cost*thanks to the Global Network networks, the global network of the BNP Paribas group, and Global Alliance, the agreement with several major world banks.
You want to travel to the European Union ? With the expense simulator, discover in complete transparency the bank charges made by Hello Bank! For card payments and withdrawals within the European Union in a currency other than the euro. Access the cost simulator
- Check the due date of your bank card
- Consult the withdrawal and payment ceilings of your bank card
- Note the useful contact details from abroad (back call number of your bank card)
- It is also advisable to contact your bank before leaving to warn your place of travel to allow you to use your card in all serenity.
Are you well protected during your trip abroad ?
What are the useful insurance guarantees linked to your bank card during a stay ? It’s simple: to be covered by your bank card insurance, you just have to pay your travel services (plane tickets, hotel, etc.) with this card. A bank card includes various insurance guarantees.
| Guarantees | Warranty |
|---|---|
| In the event of loss, theft or deterioration of your luggage in a public transportation | You can be reimbursed for their replacement market value (*) (**): |
- Visa Classic ** card
- Visa Premier ** card
- Assistance Visa Infinite **
- Infinite visa card insurance **
- HELLO PRIME ** card assistance
- Hello Prime ** card insurance
Have the right reflexes before you go on vacation with insurance If you have a Visa bank card (Hello Prime, Visa Premier or Visa Infinite), you benefit from insurance guarantees included in your card. Thanks to the Voyage Insurance site you can for example, download your insurance and assistance certificates, they will provide you with subscription to the insurance offered by your travel agency or car rental company. They will be asked to obtain a visa for Russia, China, Cuba, etc. : via the “Get a certificate” section. You have a Visa Classic, Visa Premier or Visa Infinite card, go to https: // BNPPVOYAGE.SPB.eu/*
You have a Hello Prime card, go to https: // hellobank.SPB.eu.fr/* Remember to create your online account from the site: it’s simple and quick. *Connection cost according to operator.
What are the assistance guarantees linked to your bank card ? What are the assistance guarantees linked to your bank card ? To benefit from assistance guarantees, the only holding of the card is enough.
Discover other services and insurance
(1) Cardif Iard, subsidiary of BNP Paribas, company governed by the insurance code, its capital of € 100,000, head office: 1, boulevard Haussmann – 75009 Paris R.VS.S. Paris 824 686 109 – Intracommunicative VAT number FR07824686109, postal address: 31, rue de Sotteville – CS 41200– 76177 Rouen Cedex.
(2) Cardif-Assurances Various risks Company governed by the Insurance Code – SA with a capital of 16,875,840 € – 308 896 547 RCS Paris. Headquarters: 1 bd Haussmann – 75009 Paris. Offices: 8, rue du Port 92728 Nanterre Cedex.
SPB, Broker Manager – Insurance brokerage SAS with capital of 1,000,000 euros, Headquarters: 71, Quai Colbert – CS9000- 76600 Le Havre, registered in the RCS du Havre under n ° 305 109 779.VS.S and at the Orias under n ° 07 002 642 (www.orias.Fr). Subject to the control of the prudential control authority and resolution 61 rue Taitbout 75436 Paris Cedex 09.
(3) AXA Assistance designates Inter Partner Assistance, insurance company of the AXA Assistance Group approved by the National Bank of Belgium (0487). SA of Belgian law with capital of 31,702 613 euros – Headquarters: 166 avenue Louise – 1050 Brussels – Belgium, 415 591 055 RPM Brussels, French branch: 6, rue André Gide – 92230 Châtillon – 316 139 500 RCS Nanterre
Cardif – Various risk insurance, company governed by the insurance code – SA with a capital of 16,875,840 € – 308 896 547 RCS Paris. Headquarters: 1 bd Haussmann – 75009 Paris. Offices: 8, rue du Port 92728 Nanterre Cedex
Juricica, its capital of 14,627,854, 68 euros, company governed by the insurance code – Headquarters: 1 Place Victorien Sardou 78160 Marly -le -Roi – 572 079 150 RCS Versailles
SPB, Manager broker – Insurance brokerage sas with a capital of 1,000,000 euros subject to the control of the prudential control authority and registered office: 71, Quai Colbert – 76600 Le Havre, registered in the RCS of Le Havre under the N ° 305 109 779 R.VS.S and at the ORIAS under n ° 07 002 642 (http: // www.orias.Fr)
Here you will find information useful for your trip: how to make your payments and withdrawals abroad, what are your contacts in the event of an incident or unexpected ..
How to adjust your expenses abroad ?
- With the Hello Prime card, it’s simple like hello: all your payments and card withdrawals are free of charge* !
- With the Hello One card, all your payments are free of charge*. Your withdrawals are free of charge* in the distributors of BNP Paribas and its subsidiaries (Global Network network).
- With an Electron Visa card, Hello Origin, Visa Classic, Visa Premier or Visa Infinite, all your payments in the euro zone are free of charge. And, all over the world, withdraw money at no cost* thanks to the Global Network networks, the world network of the BNP Paribas group, and Global Alliance, the agreement made with several major world banks.
Your hello bank app! travelling Send money in a few clicks wherever you are with Paylib with friends
Whatever the bank of your beneficiary*, without the need for its RIB or account number. Its mobile phone number is enough ! * SMS transfers between individuals. Transfer can be sent to all holders of a French or foreign mobile phone number and at least one bank account in France or Monaco, regardless of the bank.
HOW TO CONTACT US ?
You can contact customer service at +33 1 57 08 22 00 from abroad (call not surcharged). In the event of an unforeseen incident or event, in order to benefit from insurance and assistance guarantees related to your bank card (Hello Prime, Visa Classic, Visa Infinite Visa), the call to favor There remains that indicated on the back of your bank card.
| Online | https: // bnppvoyage.SPB.eu |
|---|---|
| By phone (France and foreigner) | Hello Prime card: +33 (0) 40 14 10 10 ** Visa Classic card: +33 (0) 1 40 14 44 00 ** First visa card: +33 (0) 40 14 10 10 ** Infinite visa card: +33 (0) 01 47 92 50 60 ** |
*Connection cost according to operator. ** Non -surcharged number, billed at the cost of local, regional or national (regional or national (from mainland France) or international (from abroad), depending on the offers of each operator.
- Visa Classic ** card
- Visa Premier ** card
- Assistance Visa Infinite **
- Infinite visa card insurance **
- HELLO PRIME ** card assistance
- Hello Prime ** card insurance
How to oppose your bank card ?
| Online from your customer area | By clicking here |
|---|---|
| From your Hello Bank mobile application! | Go to “My cards” then click on “Opposition” on the card concerned. |
| By phone (24 hours a day, 7 days a week – France and foreigner): | Hello One: +33 (0) 1 40 14 44 00* Hello Prime card: +33 (0) 1 40 14 10 10* Visa Electron/Hello Origin card: +33 (0) 1 40 14 03 00* Classic Visa Card and BNP Net BNP card: +33 (0) 1 40 14 44 00* First visa card: +33 (0) 1 40 14 10 10* Infinite visa card: +33 (0) 1 47 92 50 60* |
* Non -surcharged number, billed at the cost of local, regional or national (from mainland France) or international (from abroad), depending on the offers of each operator.
Your bank card assistant
- Use the hello bank app! To follow the evolution and categorization of your expenses,
- Never lose your bank card with a payment with a merchant,
- Type your secret code out of sight. The code of your card is personal and confidential, do not distribute it to anyone, to a merchant, to the bank, or even to the visa opposition center or to the police.
- Consultation of your guarantees
- Download certificates (visas, travel agencies, car rental)
- Submission and management of your refund requests.
- Hello Prime card: +33 (0) 1 41 85 83 94 **
- Visa Classic card: +33 (0) 1 40 14 44 00 **
- First visa card: +33 (0) 1 40 14 10 10 **
- Infinite visa card: +33 (0) 1 47 92 50 60 **
How to benefit from insurance and assistance guarantees from your bank card, understand your bank charges … Discover our advice when you return from a trip abroad !
Check your expenses and the position of your accounts
If you have a suspicion of fraud on your bank card, opposition is the only way to protect yourself. You can quickly oppose:
| Online from your customer area | By clicking here |
|---|---|
| From your Hello Bank mobile application! | Go to “My cards” then click on “Opposition” on the card concerned. |
| By phone (24 hours a day, 7 days a week – France and foreigner): | Hello One: +33 (0) 1 40 14 44 00* Hello Prime card: +33 (0) 1 40 14 10 10* Visa Electron/Hello Origin card: +33 (0) 1 40 14 03 00* Classic Visa Card and BNP Net BNP card: +33 (0) 1 40 14 44 00* First visa card: +33 (0) 1 40 14 10 10* Infinite visa card: +33 (0) 1 47 92 50 60* |
* Non -surcharged number, billed at the cost of local, regional or national (from mainland France) or international (from abroad), depending on the offers of each operator.
Understanding its banking costs
- Payments made in currencies, by card or mobile, are converted to euros by the Center International Visa in London on the day of receipt of the flow, to the exchange conditions of the Visa network.
- Operations (withdrawals and payments) may be long to appear, so be sure to keep the provision sufficient on the account the time required.
- From the site https: // hellobank.SPB.EU/* For the Hello Prime card,
- From the site https: // bnppvoyage.SPB.eu* for visa classic cards, first visa and infinite visa.
Everything about Hello Bank costs!
Hello Bank is the 100% digital offer of BNP Paribas, designed halfway between online banking and network banking. What are the Hello Bank prices ? In this article we tell you everything about the hello bank conditions and prices to allow you to see more clearly.
- Welcome bonus up to 204 € !
- Entrance offer hello one, free, without conditions
- Access to BNP Paribas agencies (check and deposit of cash)
- BNP Paribas International Networks which facilitates withdrawals abroad and international transfers (intra-network)
- Free payments outside the euro zone from the entry -level offer
- Free offices without free euro zone with the Hello Prime offer
- Withdrawals of cash with paid BNP network for Hello One, from the first
- Welcome bonus up to 204 € !
- Entrance offer hello one, free, without conditions
- Access to BNP Paribas agencies (check and deposit of cash)
- BNP Paribas International Networks which facilitates withdrawals abroad and international transfers (intra-network)
- Free payments outside the euro zone from the entry -level offer
- Free offices without free euro zone with the Hello Prime offer
- Withdrawals of cash with paid BNP network for Hello One, from the first
Opening, operation and account holding costs
Daily account management at Hello Bank! is generally free. The opening, transformation or account closure as well as the monthly account statement are all free.
The opening of a new account requires an initial payment of minimum € 150.
| Service | Costs |
|---|---|
| Account opening | Free |
| Closing account | Free |
| Account management | Free |
| Delivering banking identity statements (RIB) | Free (€ 5 via a hello bank advisor!)) |
| Inactive account | 30 € / year |
| Monthly account statement (paper or electronic) | Free (€ 1.80 for other frequency: decadaire, daily) |
| Annual fee summary statement | Free |
| Account transfer in a BNP Paribas agency | Free |
| Hello Start Bank Domiciliation Change Service ! | Free |
Source: HelloBank.FR – 09/2023
Services and general operations in agency
Overall, Hello Bank! encourages its customers to autonomy and to use online services. So most procedures can be done free online. The operations or services carried out in agency or via an advisor are mainly paid:
Account statement duplicate (or any other operation that can be carried out for free online or from the app): € 12.90
Document research costs of less than 1 year: € 12.90
Document search costs over 1 year old: € 27.00
Provision of certificate: € 20.50 for a simple certificate and € 41 for a complex certificate (in -depth research over several years or accounts)
Remote bank rate
Online management services of your hello bank account! are accessible on computer, tablet or smartphone.
| Service | Costs |
|---|---|
| Subscription to remote banking services | Free |
| Remote consultation and management | Free |
| SMS alerts on the account situation | Free |
Source: HelloBank.FR – 09/2023
You can reach a hello bank advisor! From Monday to Friday from 8 a.m. to 10 p.m. and Saturday from 8 a.m. to 6 p.m., excluding holidays on 01 43 63 15 15.
Fresh hello bank! relating to payment methods and operations
Hello Bank! has made a change within its banking offer. Thus, for an individual account or a joint account, only the Hello One and Hello Prime cards are now accessible. Visa Classic, Visa Premier and Visa Infinite are no longer.
Hello Bank bank cards!
| Offer | Hello One | Hello prime |
|---|---|---|
| Visual |  See the offer |  See the offer |
| Card type | HELLO ONE visa to systematic authorization | Offer including: HELLO VISA Map with immediate or delayed debit virtual card Hello Prime |
| Access conditions | Without income conditions | 1.000 € in net / month income |
| Pricing | Free | 5 €/month 60 €/year |
| Euro zone payment | Free | Free |
| Payment excluding euro zone | Free (excluding visa exchange costs) | Free (excluding visa exchange costs) |
| Euro zone withdrawal | Free BNP Paribas Network (€ 1 Dab Outside network) | Free |
| Withdrawal outside the euro zone | Free BNP Paribas Network (1.5% DAB out of network) | Free (excluding any exchange costs) |
Other operations and services related to cards
| Service | Costs |
|---|---|
| Bank card opposition | Free |
| Temporary modification of payment and withdrawal ceilings (subject to acceptance) | Free online (€ 5 per advisor) |
| Reissue of the secret code | 5 € |
| Early renewal of a card | Free for Visa Premier, Infinite and Hello Prime 15 € for Visa Classic and Hello One Visa Cards |
| Activation / deactivation of contactless payments | Free |
| Species to the DAB of the BNP Paribas network | Free |
Source: HelloBank.FR – 09/2023
Choose the offer that suits you the most !
To compare the offers offered by Hello Bank! Compared to other online banks, direction our online comparison.
Translating costs with Hello Bank!
SEPA transfer in Euro
The SEPA area (single Euro Payment Area – single payment space in euros) is made up of 36 countries in total. If you make a transfer to a country which belongs to this space and which uses the euro, it will be free.
With Hello Bank!, transfers in EUR, received or for this area are free. The number of transfers is unlimited, whether for permanent or occasional transfers.
| Service | Costs |
|---|---|
| Account transfer held by the same holder (BNP Paribas / Hello Bank!)) | Free |
| Occasional separate transfer | Free (€ 5 by a hello bank advisor!)) |
| Instant transfer | € 1 (free for Hello Prime) |
| Permanent separate transfer | Free (€ 5 by a hello bank advisor!)) |
Source: HelloBank.FR – 09/2023
Non -separated transfers or sepanted transfers in currencies
If you make a transfer outside the SEPA zone or a separate transfer in currency out of euro, costs apply:
| Nature of the costs | Amount |
|---|---|
| Emission committee | € 9.50 |
| Reception fees | 19 € + exchange committee (min. 15 €): transfer < 75.000€ : 0,5‰ Virement >75.000 €: 0.25 ‰ |
| Exchange commission | 15 € |
| Transfer to bnp paribas subsidiary | 3 € |
Source: HelloBank.FR – 09/2023
The cost of an international transfer is sometimes difficult to anticipate. Even if your bank communicates the commissions it applies, other players often intervene in the process and make final pricing not transparent. If you want to know more, we invite you to read our international transfer guide that will allow you to see more clearly.
Other payments of payments with Hello Bank!
Checks
The services relating to checks are mainly free. The discount is possible free of charge by mail or at the terminals available in self -service in BNP Paribas agencies.
| Services | Costs |
|---|---|
| Rebate checks | Free |
| Taking a bank check | Free |
| Checkbook | Free (5 € if operation carried out by an advisor) |
| Opposition check or checkbook by the transmitter | Free (16 € if operation carried out by an advisor) |
| Payment of a check | Free |
| Sent from checkbook | 5 € if registered and free shipping otherwise |
| Checkbuilding costs in an agency on the BNP Paribas network | 8 € |
| Checkbuilding costs ordered and not withdrawn by the Customer within 2 months | 6 € |
| Taking a check in euros payable abroad | 10% of the amount if check ≤ 150 € 1 ‰ of the amount if check> 150 € (min. 27 €) |
Source: HelloBank.FR – 09/2023
SEPA SEP
All services related to SEPA samples are free:
| Services | Costs |
|---|---|
| Implementation of a SEPA sample | Free |
| Payment of a SEPA direct debit | Free |
| Opposition of a SEPA sample | Free |
| Modification of the levy | Free (€ 5 via a hello bank advisor) |
Source: HelloBank.FR – 09/2023
Outdoors and incident costs at Hello Bank!
When opening a current account, Hello Bank! can offer you the implementation of personalized cash register. This cash facility allows your account to be a debtor for a maximum duration of 15 days per period of 30 consecutive days, within the limit of a personalized amount and under interest conditions stipulated in your contract. Fund facility is always subject to acceptance of the bank.
The conditions and prices of the services are exposed in the price brochure in force.
| Services | Costs |
|---|---|
| Overdraft | Annual nominal rate of interest debtor fixed in the contract |
| Unauthorized overdraft | Increase of +2.5% applied to the annual nominal rate of interest in your contract |
| Intervention committee by operation | Free |
| Declaration to the Banque de France to withdraw CB | 15 € |
| Destruction of unmuffed checkbook | 15 € |
| Legal closing letter | 39 € |
| Non-execution costs of permanent transfer for lack of provision | Free |
| Rejection costs by direct debit (maximum 20 €) | Amount of the levy |
| Prior newsletter fees to the rejection of a dismissal check | 10 € |
| Fee of costs by rejected check for lack of provision | Check < ou égal à 50€ : 30€ Check> € 50: € 50 |
| Transmitting costs of a check in violation of a banking ban | 30 € |
Source: HelloBank.FR – 09/2023
To open a Hello Bank bank account!, We explain you everything you need to know in a full article, dedicated to this subject.