Good plan: “Hello bank! » offers you 80 € for any opening of an account!
“Hello bank! was created in 2013. It is a 100% online bank created by BNP Paribas. Although it is possible for customers to pick up a checkbook or deposit cash at a BNP branch, all operations can be done online, including registration. To contact a banker, simply call Monday to Friday from 10 a.m. to 7 p.m. and Saturday from 9 a.m. to 5.30 p.m. The products offered are numerous: A bookletLEP, home loan, PEL, youth booklet, joint account, life insurance, consumer credit, etc. But what interests us here is the current account. When opening the account, you will have to deposit between €10 and €300 and you can take advantage of the following offers until October 27, 2022:
Contents
► Hello One – Hello One Duo: 80 € offered »
► Hello Prime – Hello Prime Duo: 80 € offered and -50% per month for 12 months »
► Hello Prime – Hello Prime Duo: 80 € offered and -50% per month for 12 months »
Several types of bank cards available
Note that the Hello One card is free provided it is used at least once a month. But the one that is most worth it is the Visa Premier offer which, in addition to being free (it normally costs 18 € per quarter at BNP), has solid guarantees in the event of a trip abroad for example (repatriation , cancellation insurance, plane/train delay, loss of luggage, etc.), but also nice services such as reduced price cinema tickets or prices on vehicle rentals. However, it will be necessary to justify 1800 € of income per month: not impossible in the case of a joint account.
The mobile app is very well designed. You can view your balance, but also better manage your data thanks to a history of expenses by category. Access to the account via connected watch is a bit of a gimmick, but has the merit of existing, on the other hand the very practical Apple Pay option is included. It will take at least an iPhone SE or a device from the iPhone 6. The latest devices are also compatible of course: iPhone 11, XR, XS, etc.
“Hello bank! » : controlled prices
“Hello bank! » does not charge you account maintenance fees, the check book can be sent to your home free of charge, bank checks (checks guaranteed by the bank to buy a car for example) are free and compulsory insurance in the event of loss or theft of your means of payment are quite inexpensive: €26.50/year or only €2.2/month. Regarding the fees, they are clearly indicated and without trap: cash withdrawals in France and the EU are free, but outside, you will have to withdraw the money from a BNP partner bank (50,000 ATMs worldwide) otherwise you will be charged 2%. If you need to replace your card before its expiry date (in the event of loss or theft), it will cost you €15. If the authorized overdraft is exceeded, the adjustment letter will cost you €20.
Sponsoring pays off!
Do you know people who want to change banks? Friends, relatives or colleagues, if you manage to convince them to join “Hello bank! », you will receive 100 euros in bonuses, and they will be entitled to 80 euros in gifts for opening their account. A clever referral system that turns every online banking customer into a potential salesperson.
How to open an account?
A “Hello bank!” can only be opened online with a simple form through your browser. Just know that if you are a BNP customer, the account transfer will be easier and you won’t have to change bank details. For the others, it is almost as simple: it you will need to fill in the form, send their electronic signature by taking a photo of it with your smartphone and enter a code sent by SMS. You can then send the supporting documents online: two pieces of identity (amongst the identity card, residence permit, passport, driving licence, birth certificate, etc.) proof of address (invoice, Internet subscription, etc.), a tax sheet, pay slip (or failing that, a student card or school certificate) and your old bank details. You can then make your first payment and wait a few days for your bank card.
Changing banks, a hassle?
“Hello bank! » wants to make it easier for you if you need to change banks. New customers have the opportunity to use the Hello Start service which makes it possible to migrate to your new online bank smoothly. It’s “Hello bank!” » which takes care of direct debit transfer procedures if you pay your bills (insurance, electricity, telephone, etc.) All you have to do is fill in a form and « Hello bank! will take care of the rest. You join “Hello bank! to save money and not waste your time, right?
