Hello bank! is an integral part of the BNP PARIBAS group . It is its modern and fully online subsidiary. If BNP La NET Agence, created a few years ago (and since become the "online agency"), remained very (too) close to a classic offer, Hello bank! get out in its commercial approach and accessibility to hit as close a population increasingly connected, seeking simplicity, speed and ... free! Exit bank branches, largely neglected. Hello bank! seeks to modernize and regain market share.
At the start of 2020 , Hello bank! significantly changes its business model. No more free on the whole range, we are moving to a two-speed offer : Hello One , an account with a free card, but with reduced services, and a Hello Prime account with a card with a paid subscription that offers more possibilities, especially abroad.
The application to open an account is super simple , modern , and is done directly online , by filling out an information form. The signature is electronic and is done directly by receiving a validation SMS. We are living in a modern era!
Once the form is completed, all you need to do is submit the requested supporting documents online:
by scanning them ... or even by photographing them with your mobile device! ...
The opening, management and closing of a Hello bank! are completely free operations, just like access to the website (excluding ISP connection costs).
BNP PARIBAS customers have the option of keeping their current account or transferring it (free of charge). They do not have any supporting documents to provide, or even a first payment to make, the establishment already knowing them. In this case, only proof of income is required, in particular to validate access to the Premium card or not.
Finally, you will have to make your first payment between 10 and 300 us dollars by transfer, or by check, to activate the account. This will be opened, of course after receipt and acceptance of your file by BNP PARIBAS. You will receive your means of payment and your access codes separately , by post, a few days later. They will be delivered to you by registered letter. You will find in the envelope your bank card (to be activated before any use) as well as a reminder of the different means of contacting Hello bank! and view your accounts online.
An online file tracking space allows you to follow the progress of the account opening, available from your phone, tablet or computer using a personal file number provided during registration. You can follow all the steps in this way, which is very helpful.
I open a Hello bank online current account!
Now only two income profiles are taken into account at Hello bank! for access to the bank card:
Individual Account:
A more surprising novelty, the Visa Premier card , which was the basis of the Hello bank offer until then, is only offered ... for a joint account! Go figure out why! And in this case you have to be able to justify an income of 2000 us dollars minimum, which gives you the free card. Weird ...
The Visa Classic card is also still available, but also only for joint accounts, provided you can justify a minimum income of $ 1,000 monthly.
In the end, to meet the fierce competition in the world of online banking, which offers new cards at no cost, the Hello bank offer goes from 2 types of payment cards to 4, which seems rather confusing to us. for the future customer.
HELLO BANK OFFERS! IN PROGRESS
BANK ACCOUNT
First 3 months free with the Hello Prime offer until 01/14/2020 .
HELLO + SAVINGS BOOKLET!
No specific offer currently.
Menu | Income condition |
---|---|
![]() Hello One Card (immediate debit) | any |
![]() Hello Prime card (immediate or deferred debit) | + $ 1000 / month in net income but contribution of $ 5 / month |
![]() Visa Classic card (immediate or deferred debit) | none if immediate debit + $ 1000 / month in net income if deferred debit |
![]() Visa Premier card (immediate or deferred debit) | + $ 1800 / month in net income |
Four types of cards are available: the Hello One card (immediate debit), the Hello Prime card (immediate or deferred debit), the Visa Classic (immediate or deferred debit), the Visa Premier (immediate or deferred debit). They are all free, except the Hello Prime for which you have to pay a contribution of $ 5 per month. They all allow contactless payment .
They are accepted in most shops, online sales sites and ATMs, in the same way as the Mastercard card. Apart from the Hello Prime , Hello bank! provides them free of charge to its customers with a current account, with no time limit, which represents a significant saving in terms of bank charges (see nevertheless the income conditions to be fulfilled)!
The Premier version is accompanied by a range of advanced services ( assistance and insurance ) very practical, especially for travelers (provided they have paid for the service or the good with this card):
Hello bank! is modern, simple and fast to make the banking service accessible to its customers on the move , understand from a smartphone or tablet. No need to go to a branch, all operations are done online , at any time. We no longer depend on the opening hours of branches, except to reach an advisor.
If the offer in itself does not really stand out from other online banks already well established, Hello bank! has the merit of being innovative and should reach a rather mobile segment of the population, always connected and in a hurry .
As for the "oldest", if they do not see any particular interest in terms of services compared to a traditional offer, they will appreciate the substantial savings made by freeing themselves from a non-negligible annual Blue Card subscription, particularly at BNP PARIBAS: at 132 $ per year, it still makes 1320 us dollars in savings over 10 years that we can dedicate to something else !!! Why deprive yourself of it ?!
The hours to reach an advisor have become particularly long (8:00 am - 10:00 pm on weekdays!), Which allows everyone to contact their bank before or after work. A good point.
Hello bank! follows the current movement of online banks which aims to provide a completely free payment card to people without income (Hello One, Hello Prime), but of course to the detriment of the service and the more limited use that can be made of it. This is probably studied to also encourage future customers (who can on the income side) to switch to the next higher offer, certainly with more services and more extended payment limits, but ... now paying!
Surprisingly, Premier and Classic cards are still available, free of charge, but only for joint accounts! Hello bank seems to be trying to make the management of the accounts and cards provided profitable, which until then had yielded nothing. Completely free online banking soon seems to be a thing of the past.
HELLO BANK OFFERS! IN PROGRESS
BANK ACCOUNT
First 3 months free with the Hello Prime offer until 01/14/2020 .
HELLO + SAVINGS BOOKLET!
No specific offer currently.
Basic services | |
Account opening / closing | FREE |
Subscription / Account management | FREE |
Bank card | FREE |
ATM withdrawals (us dollar zone) | FREE |
Checkbook order (simple sending) | FREE |
Online transfers (in $, US dollar zone) | FREE |
Specimens | FREE |
Purchases (in $, in US dollar Zone) | FREE |
Delivery of checks (excluding postal costs) | FREE |
Call for an advisor | FREE |
Proposed services | |
Bank card network | ![]() |
Type of bank card | Visa Premier |
Mobile app | YES |
Minimum income to obtain free credit card | 1000 $ |
Weekday customer service hours | 8:30 am-8:00pm |
Saturday customer service hours | 9h00-18h00 |
Income domiciliation obligation | NO |
Contactless payment (NFC) | YES |
Apple Pay (NFC) | YES |
Paylib (NFC) | YES |
Automatic activation of contactless | YES |
Fees for ATM cash withdrawals outside the us dollar zone for the Premier and Classic card | 2% of the withdrawal amount or free in partner BNP network |
ATM cash withdrawal fees Outside the us dollar zone for the Hello Prime card | FREE around the world |
Fees for purchases outside the us dollar zone for Hello One and Prime cards | FREE around the world |
Purchases fees outside the us dollar zone for Premier and Classic cards | 2% of the amount |
Instant transfer (free for Hello Prime card but € 1 / transaction for other cards) | YES |
Free second card contribution on joint account | YES |
Bank check | FREE |
Cash payment | YES |
SMS account status alert | YES |
Modification of the credit card limit online | YES |
Online bank card opposition | YES |
Stop a check online | FREE |
Download operations (OXF, QIF, CSV type) | NO |
Editing an account statement on the Internet | FREE |
Customization of the credit card code | NO |
Demonstration site | NO |
3DSecure | YES |
Visual categorization of expenses | YES |
Double authentication online account access | YES |
Bank domiciliation change help | YES |
Savings book rate (gross) | from 0.1% to 0.2% |
Premium card (Gold) | YES |
Prestige bank card | NO |
Consumer credit | YES |
Real estate loan | YES |
Management / revocation of direct debit mandates | YES |
Additional insurance means of payment, keys, papers ... | 18 € / year |
Sending free checkbook (simple mail) | YES |
Authorized overdraft rate | 8% / year |
Unauthorized overdraft rate | 16% / year |
Card opposition fees (loss, theft, fraud) by the bank | FREE |
Early renewal of bank card | $ 10 |
Choice of visual credit card | $ 15 |
Simple classic card | YES |
Chat with an advisor | YES |
Possibility of opening a savings account | YES |
Free paper monthly statement sending | NO |
Opening of an A booklet | YES |
Opening of a LDD | YES |
stock Exchange | YES |
Opening a Life Insurance | YES |
Penalizing | |
Inactive account fees / bank card non-use | NO |
open a Hello bank account! | |
Consult the Hello bank price brochure! |
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