Hello bank!

The credit card at Hello bank! ?

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):

• medical assistance and repatriation
• hospitalization abroad
• legal assistance abroad
• replacement driver
• snow assistance ...
• insurance theft and damage to rental vehicles (forget and refuse the surcharge proposed by the rental companies !!!)
• transport delay guarantees
• baggage delay guarantees
• snow and mountain insurance
• trip cancellation / interruption insurance
• travel accident insurance
• civil liability abroad ...

I open a Hello bank online current account!

Hello bank! : benefits

• Support from a reliable and renowned banking network: BNP PARIBAS, leading international bank for banking and financial services in Europe
• The bank card has the contactless payment function (NFC) , a service that allows you to pay small sums - less than $ 30 - (like at MacDo or the baker) without entering your code, by simply swiping your card remotely on the reader.
• A wide choice of cards accessible to different income levels.
• no "package" of services , often very expensive paid and unnecessary in so-called "classic" establishments. There is no surprise, the main services are free!
• No obligation to domiciliate his salary, only proof of income to be provided,
• No obligation to regularly deposit money into your account,
• Very competitive general pricing , which ranks among the best on the market.
• The possibility of supplementing then by opening a savings account (much higher rate than other online banks), a livret A , LDD , PEL , access to the stock market ...
• The Hello + savings account remains scalable depending on the amount deposited : 0.1% between $ 0 and $ 49,999, then 0.15% between $ 50,000 and $ 99,999, then 0.2% beyond that, but does not earn almost nothing. The rates of return on this type of savings have dropped drastically, reaching such low levels that it is better to turn to other, slightly more profitable investments (life insurance, etc.).
• Non-surcharged call to reach an advisor, with particularly long hours: Monday to Friday from 8 a.m. to 10 p.m. / 8 a.m. to 6 p.m. on Saturday .
• A very simple account opening online, and very fast access to means of payment.
• Visual categorization of expenses
• Possibility to chat with the advisor
• The addition of a beneficiary, even external, for a transfer is instantaneous , and must be validated by a security SMS. Significant advantage when you have to fund an account urgently (this often requires 24 to 48 hours of validation at other banking establishments).
• Secure payment with the Paylib service. This allows it to pay both on partner online businesses. But it also makes it possible to pay in contactless in all businesses accepting contactless, and this beyond the bar of 20 or 30 us dollars limited by a traditional bank card (transaction limit set by the bank). You can therefore go to the evening without your bank card, just with your phone for example.
  For security, transactions over $ 30 are all subject to a verification code (chosen yourself), which prevents contactless fraud for higher amounts. The Paylib service is free and can be activated by simple online request or by smartphone. Note: the advantages of the associated bank card are retained when paying with Paylib (travel insurance, deferred debit if chosen, etc.).
• Hello bank! innovates compared to its competitors for the delivery of checks : no need to go to a branch. Just scan the check from the app, sign it on the back and write your account number, and send it in an unpaid envelope. Simple and efficient !
• Possibility to activate / deactivate the international transfer option, for more security.
• No charges for inactive account , unlike most online banks.
• First online bank to offer this service: aggregation of bank accounts . You can now integrate all your bank accounts from other institutions into your Hello bank! Interface. Convenient to view your transactions and balances in one place!
• February 2019: Apple Pay is available at Hello Bank !. Consider requesting activation if you are interested.
• April 2019: Instant SEPA transfer is available at Hello Bank !. It enables funds to be transferred in less than 10 seconds * between two payment accounts held by payment service providers located in the same country or in two countries in the SEPA area, provided that the 2 payment service providers payment service have activated this service for their customers. No need to wait 24 to 48 hours for the recipient of the transfer to have the funds. Paying certainly, but very practical in case of need or emergency to fund an account or reimburse a friend. (limited to US $ 15,000 per transaction).

I open a Hello bank online current account!

Hello bank! : the inconvenients

• A value date shifted by 1 day for checks compared to the posting date. Some other establishments offer a value date when the check is sent, after online registration. There is still a need for this service, the use of checks becoming scarce.
• Directly sending a transfer from a savings account to an external beneficiary is not authorized. You must go through the current account, so two stages of transfer to do if you want to take on your savings.

Hello Bank! : user interface visuals

Hello bank! : available services

• Current account with free Visa Classic or Visa Premier card
• Savings booklet (no opening, deposit or closing fees - the best rate among online banks)
• Livret A (no opening, deposit or closing costs)
• stock Exchange
• Sustainable Development Booklet (LDD)
• PEL (Housing Savings Plan)
• Life insurance

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