2 months free with Hello Business

The Hello Business offer is designed for the self-employed and includes all the advantages of an online bank: a mobile account with a Visa card, which offers free transactions worldwide, an overdraft facility, insurance and the ability to redeem all types of payment.

Hi bank, BNP Paribas netbank, has since May 2021 offered an account dedicated to the self-employed (artisans, traders, liberal professions, freelancers, etc.). This completely digital offer, 10.90 euros excluding tax per month, is designed to facilitate their daily operations. A specific customer service, Hello Team Pro, has also been created, available 6 days a week and specialized in professional questions.

The Hello Business offer

This formula includes a professional account with French IBAN and a Visa Hello Business card, immediate or deferred debit, depending on the customer’s choice. All payments and withdrawals, regardless of whether they are made in euros or foreign currency, are free. This card is compatible with contactless payment, as well as mobile payments via Apple Pay. As for other payment methods, direct debits and SEPA transfers are also free, even instantly. Money transfers in foreign currency are also not charged, provided the transaction is denominated in the recipient’s currency. The holder also benefits from a check book which can be sent to their home free of charge.

This pro account allows its user to be paid in several ways:

  • upon transfer,
  • by credit card using Lyf Pro, an application that turns your smartphone into a payment terminal (1.35% of the transaction amount),
  • by checking that he can scan via the application or deposit in a BNP Paribas branch, without extra costs,
  • in cash, as deposits at BNP Paribas network counters are free,
  • via a Hello Pay Pro mobile payment terminal, 39 euros excluding VAT, connected via Bluetooth to the user’s smartphone. It allows you to collect card payments with code validation, contactless payments and mobile payments (a 1.60% commission applies to each transaction).

Another advantage of this offer is to offer an overdraft to its customers: the holder automatically benefits from a cash facility of 1550 euros, in order to better manage its cash flows. For those who need longer-term financing, it is possible to apply for a professional loan.up to 25,000 euros. The latter requires no guarantee and does not generate administration fees. Note that it is reserved for customers who have had the Hello Business offer for at least 6 months.

This account is completely manageable from the Hello bank application, where the holder follows his transactions in real time and configures his card. He can block and unblock, activate and deactivate contactless or online payments and change his payment and withdrawal limits. Of course, all current operations can be carried out on this application: transfers, adding recipients, contacting customer service, declaration for insurance… Moreover, thanks to the service My business assistant starts, the freelancer produces his offers and invoices with a few clicks from his phone. Each month the VAT charged is calculated automatically.

Our comparison of pro accounts

Insurance and assistance guarantees included

The Hello business card holder is covered during business trips, but also in the event of a dispute with a customer or supplier. In fact, he can call legal assistance as much as he wants to get information and benefit from the payment of fees in case of legal consultation with a lawyer (up to 300 euros excluding tax per year).

In the event of a trip, the insurance covers within certain limits cancellation, interruption or change of the trip, train or flight delay, loss or delay of luggage and death or permanent disability of the insured. If he rents a vehicle that is stolen or damaged, the costs are also reimbursed.

Finally, the professional benefits from an income in case of hospitalization for more than one day after an illness or accident: 100 euros including tax per day spent in hospital within the limit of 60 days.

Who can open a Hello Business account?

This offer is reserved for professionals who are natural persons, adults and capable, who live in France and who have chosen sole proprietorship. EIRLs and micro-enterprises are therefore eligible.

Subscription takes place entirely online: all you have to do is fill in a form with your contact details, provide the supporting documents (identity document, proof of registration less than 3 months old) and sign the contract electronically. An initial payment of at least 10 euros is required to complete the opening of the account.

Debit card rates
Annual credit card fee
Visa Business: €132 (immediate flow)
€132 (diff flow)
Withdrawal of cash from an ATM
Displaced withdrawals euro zone classic cards: Available
Card payments
Payment outside the euro area classic card: Available
Current transaction rates
Account management
Motion Committee: Available
Account maintenance fees: Available
Checks
Check transfer fees: Available
Species
Cash deposit: Available
SEPA direct debits
Fees per SEPA direct debit: Available
SEPA transfers
Fees per one-time default transfer made online: Available
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