why open your account with Hej bank! ?

In France, the number of entrepreneurs has exploded since the launch of the French Tech initiative in 2013. In 2021 alone, there are no fewer of a million individual companies that have been created in France. Artisans, merchants, farmers, startupers, liberal professionals, they are joining the ranks of entrepreneurship en masse.

But all these people need a current account, from the moment they declare more than 10,000 euros in income for 2 consecutive years. The offer is wide and it is not easy to navigate. Among the online banks that are well suited for this, we find Hej bank! and its formula Hello Business.

This formula dedicated to micro-entrepreneurs and other individual entrepreneurs has been very successful since its launch. In addition to the current account and the bank card, Hello Business wants to be a global answer to all entrepreneurs’ financial and administrative problems. The bank offers its professional clients a range of products ranging from credit to mobile TPE, an invoicing management tool and even multi-risk insurance.

The Hello Business formula is available without conditions or long-term obligations for a fee of 10.90 euros excluding tax per month. Right now and until November 30, 2022, it also offers two months subscription. You just need to be of legal age, live in France and have a valid SIREN.

Discover Hello Business

An account and a credit card

Hey bank! remains above all a financial institution, and thus Hello Business is primarily based on a current account and a bank card. The latter is very flexible compared to a card for individuals: payments and withdrawals are free and unlimited both in euros and in foreign currencies. For those who work or have a source of supply outside the EU zone, Hello Business knows how to meet their needs. Instant transfers are also free and unlimited.

If Hello bank! is an “online” bank, it nevertheless maintains a physical presence thanks to the 2,200 branches of the BNP Paribas network. The bank for entrepreneurs allows entrepreneurs to deposit checks and cash in ATMs, which has become rare. With neo-banks or other online banks for professionals, this option is no longer available.

Always to help its customers, Hello bank! has also made cash handling easier: the bank card can be debited, which gives more room to manage funds. You can thus be deducted for all your expenses at the end of the month, when the receipts have been made. If you have questions, the bank’s customer support prioritizes Hello Business customers.

More than a bank

As a self-employed person, you probably have to manage offers and invoices yourself – which is not always the easiest. Above all, it is an activity that can be very time-consuming if it is not carried out in a very conscientious and precise way. The Hello Business account accompanies you with a tool “My business assistant starts” (developed internally by BNP Paribas) which offers a structure in the handling of invoices. It’s a simplified software ideal for managing your day-to-day accounts, and it’s included in the subscription.

For collections, the online bank has developed a solution for all payments by credit card: Hello Pay Pro. Instead of systematically rejecting card payments, you have the option of equipping yourself with a mobile EPT that allows you to accept payments via your smartphone (and the Bluetooth and 4G connection). Hey bank! charges 1.60% including tax on each transaction, the amount of which will be transferred to your account on D+1.

Finally, if you need even more flexibility in financial management, Hello Business gives you access to two options: the overdraft (equivalent to an authorized overdraft) of 1,550 euros and a professional credit of up to 25,000 euros.

To discover the pro offer, here it is:

Discover Hello Business

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