Hello Prime: Opinion, Price and condition of the Hello Bank card

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) .

Change dimension with Hello Prime Duo

A Hello Prime* card and a virtual card each, with all your payments and withdrawals at no cost (1) and all your free instant transfers (2) .

6 months of subscription offered then 8 € / month.

Full of advantages all year round

Manage your common expenses with ease

Go on vacation with the light spirit

We take place the red carpet

SIMPLIFY YOUR PURCHASES online or contactless

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

The HELLO Prime Duo Free offer for 6 months*

* 6 months of subscription offered then € 8 / month. Offer valid for any subscription to the Hello Prime Duo offer until 12/31/2023, reserved for Hello Bank customers! holders of an individual deposit account, subject to acceptance by the bank.

* 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.

Manage your daily expenses with ease

• Everyone has their cards: adjust common solo expenses with your own cards.
• Your card operations and those of your half visible in real time (3) to better control your budget at two.
• All your free instant transfers: the beneficiary immediately receives money (2) .
  Very practical when we forgot to pay the rent or the co -ownership charges !

Go on vacation with the light spirit

• All your payments and card withdrawals are free of charge (2), all over the world.
• With your Hello Prime cards, you benefit from insurance and assistance.
• And if you are flying your card abroad, we help you (5) .

For you, we want to release the big game

• Need to contact us ? You have the priority (4) (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. Select together the hello bank joint deposit account!
   to which you wish to attach the offer.
2. Check your personal information.
   This is important to receive your cards at the right address.
3. Consider the advantages of the hello prime duo offer and its characteristics, choose the type of debit of your cards.
4. Electronically sign your contracts.
   Your Hello Prime cards will be shipped to you.​
   Your Hello Prime virtual cards will be 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 (3) .
• Stay informed of each important event thanks to the notifications (10) configurable: “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 outside the margin of exchange in the currency of the beneficiary country (13) . Valid for example for a transfer in sterling pounds (GBP) to the United Kingdom or even Moroccan dirhams (MAD) to Morocco.
• By subscribing to the hello prime duo offer, a new cash facility will be allocated to you.

Good to know

To help you manage your budget, do not hesitate to transfer your transfers and samples (salary, settlement of your monthly expenses, . ) to your hello bank joint account! Discover our solution

Details of the offer

• The hello prime duo offer, what is ? How much does it cost ?

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

• a hello card each takes precedence, to which insurance and assistance guarantees are attached;
• a hello virtual card takes precedence over each;
• a cash facility;
• Free instant SEPA transfers (2);
• Priority access when you contact the Hello Team. (4)

Rate
The Hello Prime Duo offer is at a price of € 8 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 Duo offer can be taken out, subject to acceptance by the bank, by:

• 2 major natural persons capable, holders of a hello bank joint deposit account! ;
• French residents;
• acting for non -professional purposes;
• Having a minimum of € 2,000 in net income per month (before taxation) for all the cotturies.

I already have a joint 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 Duo offer. You will have to sign a new account agreement (15) at the same time as the signing of the contracts of the Hello Prime Duo offer.

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

Rest assured ! You can use your old cards until activation of the Hello Prime card (or failing that 30 days after signing the hello prime duo contract). Click on “Subscribe” and let yourself be guided ! I have a hello one duo offer and I want to go to the hello prime duo 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 Duo”

If you cannot access the subscription of the Hello Prime Duo offer (step 3), contact the Hello Team. 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 joint deposit account.

The subscription of the Hello Prime Duo offer leads to the termination of the One Prime Duo offer and all the products composing it. You keep your hello one cards until the activation of your new Hello Prime cards (up to one month following the subscription of the hello prime duo offer).

In the event of the exercise of your right of withdrawal, within the deadlines and conditions indicated below, you keep your attached deposit account. If you want to return to the hello prime duo offer that you have terminated, you will have to take out this offer again. I don’t have a joint account
Contact the Hello Team on 01 43 63 15 15 (16) to open a joint account. You can then subscribe the hello prime duo offer directly from the HelloBank site.FR or the Hello Bank mobile application! (6) . Your future cottown is not yet a hello bank customer! ?​
Go to the HelloBank website.fr to open an account and take out the hello prime duo offer.

BNP Paribas, controller, processes your personal data in order to make two fully automated decisions: the granting of the offer and the amount of cash facility included in the offer.​
These decisions are based on profiling using identification information and relating to your job, banking and financial information related to the products and services you have, transactional data, as well as deductions that we have made ( Solvency indicators).​
These decisions can refuse you access to the offer or limit the cash facility amount granted within the offer.You can contest the result of these decisions, get a review of your file, express your point of view or obtain an explanation on the decisions made. Consult the HELLO BANK data protection manual! To know the details of the treatments implemented by BNP Paribas, your rights and how to exercise them.​

Your net monthly income (Before taxation for all cotturies)	Less than € 3,600	Between 3,600 € and 4,999 €	From € 5,000
The ceilings of your Hello Prime card
Withdrawals /7 consecutive days	500 €	800 €	€ 1,000
Payments /30 consecutive days	€ 1,200	€ 2,000	€ 2,500
The ceilings of your Hello Prime virtual card
Payments /30 consecutive days	600 €	€ 1,000	€ 1,200

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.

Each cotitular is responsible for the card established in its name. He can use it without the formal agreement of the other cotitular and may make changes to his card alone (modification of the type of flow, ceilings, blocking/unlocking. )). With regard to cards associated with a joint account, the cotturies are jointly liable for the financial consequences linked to the use of cards and the possible debtor balance that this could cause.

The provision of our cards.

• Your virtual cards are available immediately from your customer area on the HelloBank site.FR or the Hello Bank application! (6) .
• Your Hello Prime cards are 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 ?
To make your payments debited over the water, opt for immediate speed (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) .

Our Card Operations displayed in real time.
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 our cards
Manage your own 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 any of your cards 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!.
Virtual cards are 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.

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 Duo offer. The table below syntheticly presents insurance and assistance guarantees, subscribed by BNP Paribas from 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 duo 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. The two cotturies of the hello bank joint deposit account! are jointly liable for the reimbursement of the sums due for this account. The conditions for your cash facility (amount, agios rate) are specified when subscribing to the HELLO PRIME DUO 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 duo offer, all your instant separate transfers are free.

Thanks to the Hello Prime Duo 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 addressed before the expiration of the period of 14 calendar days revolted from the date of conclusion of the Hello Prime Duo contracts. What happens next ?
The Hello Prime Duo 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 ?
Each cotitular of the joint account can terminate the offer.
The bank can also terminate the hello prime duo 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 Duo offer. What happens next ?
The termination of the hello prime duo offer leads to the termination of all the products and services included (including cards). The latest contribution from the hello prime duo 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.

Opposition on your bank card
In what cases oppose ?	Important : In the event of loss, flight or fraudulent use of the card or data related to its use, safeguarding, recovery or judicial liquidation procedure of the beneficiary.
How to oppose ?	7 days a week and 24:24 • at +33 1 40 14 10 10 (16) • Via the Hello Bank application! or the website www.hellobank.FR (6)
Claim for insurance guarantees
What you need to know before declaring the claim	Attention : In the event of an insurance claims, remember to communicate the number of your Hello Prime card to the insurer, in addition to your Hello Prime virtual card (even if your purchase has been made with your Hello Prime virtual card). The insured or the beneficiary must declare the claim within 15 days where he is aware of it with SPB (25), acting as an insurer manager.
How to declare a claim, follow it or obtain an insurance certificate ?	• Via the website https: // hellobank.SPB.EU (26) • By phone on 09 69 32 12 04 (16) 7 days a week and 24 hours a day 1. Bring the Hello Prime card and the HELLO PRIME virtual card number if the purchase has been made with the virtual card. 2. Specify your quality of insured (27) 3. Address the documents requested: • Via the website https: // hellobank.SPB.EU (26) • By email at [email protected] (16) • By fax at 09 70 82 03 58 • By mail to: SPB Insurance – Hello Bank cards! CS 90000 76095 Le Havre Cedex
If you need assistance
What you need to know before declaring the claim	Attention : Before taking any initiative or initiating any expenditure, the prior agreement of Europ Assistance is imperative by calling or calling it: +33 (0) 1 41 85 83 94 (16) from France or abroad. The HELLO PRIME ASSISTANCE service is issued by the Europ Assistance provider.
How to request assistance or obtain an insurance certificate ?	• Via the website https: // hellobank.SPB.EU (26) • By phone at +33 (0) 1 41 85 83 94 (16) 7 days a week and 24 hours a day
For any questions about your card services
HELLO Prime and virtual card customer service Hello Prime	7 days a week and 24:24 +33 1 40 14 10 10 (16)
For any questions about your offer
Hello team	Contact us

Hello Prime: Opinion, Price and condition of the Hello Bank card!

To accelerate its growth, Hello Bank! made a complete overhaul of its range of cards at the time of the pandemic. With Hello Prime, online bank advances a premium offer that will convince an audience of wealthy customers and/or travelers looking for a very advanced service. This offer is billed 5 euros per month and requires holders that they justify an income of 1,000 euros net monthly.

In 2020, Hello Bank! therefore ended its unique offer to release Hello Prime and Hello One. The latter is a free and conditional version of her account. With Hello Prime, customers benefit from a more complete, more flexible and safer service, with high -end assistance. Below, our HELLO PRIME OUTSION and all the characteristics of this premium banking offer.

Eligibility conditions for the offer

To better respond to different customer profiles, Hello Bank! has split its offer in two formulas: Hello Prime and Hello One. If the latter is free and without commitment, it is also limited (absence of overdraft, limited ceilings, costs abroad). The online bank therefore came with Hello Prime, a premium version of its historic account to meet an audience with more demanding needs. Admittedly, it is chargeable but it offers a series of services which largely justify its cost.

In addition to having a cost, the Hello Prime offer implies a number of conditions to be eligible. You must not only be a major French and resident, but it is also necessary to justify an income of 1,000 euros net per month. This offer, which wants to compete with the formulas for travelers imagined by Boursorama (Ultim), Fortuneo (Fosfo) or N26 requests more conditions than the others. Fortunately, she wants to be as generous (even much more) as her counterparts.

First of all, Hello Bank! decided to maintain the welcome bonus. Whether for the hello one offer or for the hello prime formula, new customers will receive a bonus of 80 euros as a welcome gift. This offer is in line with what we find at Boursorama Banque et Fortuneo but it is distinguished from neo-banks who have not taken this habit. For the first part of our Hello Prime opinion, let’s see what the bank card offers.

Hello Prime bank card

Visa network, immediate or delayed flow

With his two offers, Hello Bank! remains faithful to its historic payment partners. The Hello Prime bank card is compatible with the French CB network as well as with the Visa Group International Network. The latter allows you to settle cats among the 31 million partner trade, and the 1.4 million distributors spread over the world. Knowing that this Hello Prime offer is very popular with travelers, it is appreciated.

The Hello Prime card is by default to systematic authorization, although the overdraft is authorized. At Hello Bank!, This cash facility is determined during an exchange between the advisor and the customer. Depending on their profile and history, the customer can benefit from more advantageous conditions. If the transaction implies an overdraft, this does not imply that it will be declined unlike the Hello OneS basic card. You can find our hello one vs prime comparison to find out more here.

Last advantage of the Hello Prime card: the customer has the choice between immediate speed and delayed flow. Again, this is not the case with the more entry -level formula. In other words, the customer can ask to be debit from his transactions in a single block – made at the end of the month. This allows you to manage your budget over time according to the possible money back. This makes us in our opinion of hello takes a flexible and appreciated tool.

Payment ceilings and withdrawal

Depending on the income level of a hello prime account holder, the payment ceilings and withdrawal are not the same. A simulator available on the online bank website allows you to see what are the limits imposed for a given income level. If necessary, it is always possible to temporarily adjust its ceilings from the mobile application or the website.

To take an example, a customer who would justify an income of 2,500 euros per month will have the right to a ceiling of 2,500 euros over 30 days for payments, and 1,000 euros over 7 days for withdrawals. In the event that the holder is satisfied with a monthly income of 1,000 euros, he can benefit from a payment ceiling of 1,200 euros over 30 days and a withdrawal ceiling of 500 euros over 7 days. With these personalized ceilings, Hello One is located in the range of what we see at Boursorama Banque or Fortuneo. Now let’s move on in our opinion hello takes precedence over operations that are done abroad.

Payments and withdrawals abroad

Obviously, Hello Bank! was expected on the transactions carried out abroad. In this case, by highlighting a paid offer and conducive to travelers, online bank had to be positioned on the “all free”. With Hello Prime, customers will not have costs on payments and withdrawals whether it be euros or foreign currency. For comparison, the Basic Offer Hello One takes a fixed commission of 1.5% from withdrawals from foreign currencies.

While banking establishments are always paying more attention to withdrawals, Hello Bank! is flexible with Hello Prime. Whether it is a BNP Paribas distributor, a distributor of the Global Alliance network or any other distributor around the world, the customer will not be invoiced for his withdrawals. Hello One (like many other online banks) invoice 1 euro for any operation outside the Global BNP Paribas network.

Linked insurance and guarantees

Let’s continue our hello premium opinion with insurance. Another great force that justifies the cost of the Hello Prime card is the associated insurance. In this case, customers benefit from the same advantages and guarantees as if they had subscribed to a Visa Premier bank card. We also find this principle with the Boursorama Ultim card – but not with Fortuneo Fosfo (equivalent to a classic mastercard).

In terms of insurance supported by the Hello Prime card, we can cite a series of guarantees for travel: plane delay, loss of luggage, medical repatriation insurance, modification or cancellation of stay etc. It will also be recalled that this bank card avoids subscribing to the insurance rental companies since they are included with the card.

Since the arrival of the two new offers at Hello Bank!, It is therefore no longer possible to take advantage of a first visa card for an individual account. The online bank has however kept standard cards (Visa Classic or Visa Premier) for its attached account offer. Holders of attached accounts cannot subscribe to Hello Prime. In all cases, insurance is identical between the first visa and the Hello Prime card.

Mobile and contactless payment

In 2019, Hello Bank! made a big step towards mobile payment. After having long been content with the mobile payment solution of his parent company (Paylib), the online bank started to bear Apple Pay. Mobile payment remains very marginal in France, but Apple Pay is the one who is doing the best. By registering their hello takes precedence over their iPhone, users can use the latter as an alternative to a card. They will simply have to bring their smartphone closer to a contactless payment terminal to pay for their purchase – without limit of amount. Samsung Pay and Google Pay are not compatible at the moment, but their use is very limited in France.

In addition to contactless mobile payment, it is always possible to pay for your purchases with a contactless bank card. NFC technology, however, limits purchases by this method to a maximum of 30 euros. HELLO PRIME Formula customers can at any time deactivate the contactless payment of their bank card from the HOLLO BANK mobile application!, or via their personal space on the internet.

Card price

On the one hand, Hello One is a limited and free offer, and on the other hello prime is wide and paying. It is up to everyone to find the balance that will suit them best. Hello Bank! requests a monthly contribution of 5 euros for the use of the Hello Prime card. It comes with a free current account, and access to all online banking products (savings, investment, credits, etc.).

Unlike Boursorama Ultim and Fortuneo Fosfo offers, Hello Prime is paid. That said, this contribution is the only cost that will be linked to this formula. The other online banks take costs later and it is better to know them: Boursorama invoices 15 euros per month in the event of card inactivity, Fortuneo in invoice 3 € for the absence of transaction. You are warned, Hello Prime will not charge any.

To do your opinion on Hello Prime, it’s here:

Current account management

Banking account monitoring

Originally, Hello Bank! was imagined to be a purely mobile bank. Since then, the bank has made its way and it has developed an equally intuitive web interface. Whatever the medium used, it is possible to consult your balance in real time and the transactions made with your cards. With Hello Prime, you can therefore follow all the means of payments, withdrawals and other transfers on a single interface. Note that unlike the hello one offer which charges instant transfers € 1, hello prime abolishes the cost of operations.

As you can see in the images below, the Hello Bank application! is standardized – whatever the formula you choose. Any imagined to facilitate monitoring and management of his bank account. A system of categorization of expenses is also available (by theme), and various graphs allow us to better understand its expenses.

Account food

The key relationship is one of the major challenges of online banking, and Hello Bank! brilliantly noted it. This establishment has chosen to rely on the infrastructure of its parent company BNP Paribas to offer its customers the possibility of keeping physical contact. Thus, holders of a Hello Prime account can access one of the group’s 2,000 agencies to deposit checks or cash for free. This is an advantage that we do not find in other online banks.

Outside the opening periods of these agencies, Hello Prime customers can also rely on BNP Paribas automatic counters to carry out their operations. These are open 24/7 and allow you to deposit species or checks. Apart from Monabanq which uses the network of automatic counters from Crédit Mutuel No other French online bank allows you to do this. At Boursorama Banque or Fortuneo, there is therefore no possibility of depositing species on your account.

To come to checks now, holders of the Hello Prime account can benefit for free. They can have it sent to them (at no cost) or recover it in agency for 8 euros. While the other online banks require their customers that they pay for the costs of sending checks by post, Hello Bank! gives the possibility to deposit them free of charge in agency or automatic counter BNP Paribas.

Customer Support

To distinguish free clients hello one from those paid hello prime, online bank has also decided to offer privileged customer support for these. They can thus join the hello team via a priority line to obtain assistance at all levels. This concerns both the use of their account and the issues related to cards or insurance.

Conclusion: our opinion on Hello Prime

Hello Bank! has split its basic offer to make it more understandable. With its hello prime offer, it attracts a high -end audience which is led to travel regularly. For this profile, it must be recognized that it is a very good offer that will avoid all hidden costs linked to operations. If we can regret the 5 euros of monthly costs for this card, this remains minimal compared to the cost that can be had when using a card abroad. Our Hello Prime opinion is very positive, the bank positions itself as a serious actor in this niche.

If we have not highlighted it in this hello prime test and opinion, you should know that this offer goes beyond the bank card and the current account. Indeed, Hello Bank! also offers a wide variety of banking products that allow this main banking establishment to make this banking bank. Hello Bank! is also particularly competitive on savings solutions and credits. We invite you to consult our Hello Bank opinion! To learn more about the bank.

While the bank market has been changing for a few years with the arrival of neo-banks, Hello Bank! stands in force. Online bank has bounced back to offer 2 more suitable and personalized formulas. Thanks to her past experience with her current account, she also knows what is the profile of the people who are most likely to subscribe to an online account, and she set up their offers.