why is his joint account so excellent?


With more than 700,000 customers to its credit, Hello bank! is one of the most popular online banks in France. By capitalizing on the long know-how of its parent company BNP Paribas, it is able to offer a professional, complete (and above all less expensive) service to its customers.

In its range of current accounts, there are two formulas: Hello One which is free and without income conditions, and Hello Prime which costs 5 euros per month and which requires 1,000 euros of net income per month.

Hello One Duo, Hello Prime Duo

However, these two accounts are also available for those looking to open a joint account: Hello One Duo and Hello Prime Duo are the equivalents if you are looking to pool funds.

Remember that a joint account is not reserved for couples. It is simply a bank account that is shared between co-holders who want to facilitate the management of common expenses. It can therefore be an account between friends, family or roommates. However, it should be kept in mind that the holders are also jointly and severally liable: this commits everyone to pay all the sums due.

Discover Hello bank! joint accounts

In the case of Hello bank!, the procedure for opening a joint account is similar to that for an individual account. If the account Hello One Duo is also easy to access than the individual formula, it is different for the Hello Prime Duo account. Both holders must provide proof of a joint income of at least 2,000 euros net per month and you will have to pay a monthly fee of 8 euros.

Details of the bank’s joint offers

In fact, the Duo offers are modeled on the individual formulas of online banking. In the case of the Hello One Duo formula, you have access to two Visa Classic bank cards with systematic authorization and immediate debit. This account has the advantage of being easy to manage and transparent: you have no account maintenance fees, you can view the status of your account in real time and you have no authorized overdraft.

The Hello Prime Duo formula is more upscale, hence the online banking requirements at the time of opening. It will give each of the two co-holders access to two cards (i.e. four cards in total): a bank card similar to the Visa Premier and its virtual card equivalent.

These Hello Prime cards offer maximum flexibility at all levels: immediate or deferred debit, authorized overdraft, raised limits, no fees abroad (payments and withdrawals), guarantees and insurance included, etc. Below, you can discover the detail between the Hello One and Hello Prime cards.

Hello bank!  range

The differences between © Hello bank!

Current account

Conditions: No income condition

Annual fee: €0 • Initial deposit: €10

Check deposit: ✔ • Cash deposit: ✔

Bank card

Monthly cost of the card: 0 €

Euro zone withdrawals: Free • Euro zone payments: Free

Foreign currency withdrawals: Free • Foreign currency payments: Free



A common core of services

Hello bank! is not just limited to the current account, as many neo-banks do. Online banking offers a range of products and services that is similar to that of a traditional banking institution. You can therefore deposit your (common) savings there, open a securities account or access loans.

Unlike other online banks, Hello bank! can also capitalize on the network of physical BNP Paribas branches to maintain a “physical” link with its customers: the latter can deposit cash and checks in ATMs. By way of comparison, Boursorama Banque or BforBank no longer allow you to fund your account with cash.

Hello bank! has also implemented tools to offer maximum autonomy to its customers. Everything is managed via a web space from a computer or a mobile application. The bank has also upgraded to the mobile payment part: Apple Pay and Paylib are available. They allow you to save your card on your smartphone in order to use the latter as an alternative.

For the past few days, Hello bank! is very generous with its new customers. Whether as part of an individual account opening or for a joint account, the bank first offers a bonus of 80 euros for this stage. Those who choose the Hello Prime (or Hello Prime Duo) formula will also receive 6 months free.

To discover the bank’s offers, it’s here:

Discover the Hello bank!

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