How are Hello bank! and Nickel? BNP Paribas update

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The results for the third quarter of 2022 have just been released at BNP Paribas, ahead of Societe Generale. As of September 30, 2022, the leading French bank was pleased with particularly solid results with higher net profit up 10.3% and revenues up 8%. Its growth is supported by its market activities (14.7%) and its FICC revenues (Interest Rates, Credit, Foreign Exchange and Commodities).

The publication of its results was an opportunity to follow the evolution of priorities at BNP Paribas in terms of mobile banking. Faced with Societe Generale, which owns Boursorama Banque, BNP Paribas has armed itself with the online bank Hello bank!, the personal loan fintech Floa Bank and the neo-bank Nickel. But all are definitely not moving at the same speed. This has never been more visible than today.

Nickel, which aims to be a “bankless” account accessible to everyone, including foreigners and bank bans, has taken on massive popularity, which has earned it close contact with nearly 3 million customers today. At the same time, the online bank Hello bank! is far from the mark, she who has still not reached the million customers. It’s very simple, in two months, the neo-bank gets more customers than online banking in one year (100,000 customers). Will the BNP Paribas group have to make a choice?

Nickel BNP Paribas Q3 2022

© BNP Paribas

Revolut Target Nickel

Nickel does not offer the same offer as Hello bank!, while one is presented more as a secondary account and the other as a main account, with broader access to banking products such as credit and savings . That said, Nickel is largely promoted at the expense of Hello bank! in the latest results published by BNP Paribas. The opportunity to learn that Nickel had 2.9 million customers on September 30, close to the 3 million mark that it should exceed in early December.

The pace of acquisition is frantic. Nickel opens an average of 54,000 new accounts per month. This shows the relevance of the hybrid model, between a very simple offer (a current account and four different bank cards available) and the prospects with its deployment. Indeed, like Revolut, the French model of Nickel is exported internationally. After Spain, his arrival in Belgium and Portugal will accelerate the pace even more.

Discover Nickel

In one year, Nickel has seen its size increase by 26.9%, beyond the 12% of Hello bank!, which is much smaller. Over two years, it even gained 1.1 million customers, the size of ING France, the online bank sold to Boursorama Banque and which was in second position among the most popular offers in France. Now she rubs shoulders with Revolut, the British neo-bank with 2 million customers in France. To impose itself, Nickel knew how to model its offer, address travelers, while adding a feeling of proximity and customer service among the best to create trust with its customers.

Hello bank! far from Boursorama Banque

As for online banking Hello bank!, the shadow of Boursorama Banque is heavy. With its 740,000 customers (12% growth over one year), we are very far from the 4 million customers of its competitor. The proposal between the two banks is nevertheless close, but Boursorama Banque has been able to invest massively, offer more generous welcome bonuses and free premium and international bank cards. At Hello bank!, we are limited to two bank cards: Hello One (free) and Hello Prime (paid).

Discover Hello bank!

That said, market consolidation could benefit it. Even if Boursorama Banque takes off, the shutdown of ING and the difficulties of Orange Bank make way for Hello bank!. So if BNP Paribas continues to invest, online banking could exceed Fortuneo (950,000 customers). Since September, the 80 euro welcome bonus has been back at Hello bank!. They had disappeared for a year and should participate, for this end of the year, in boosting the rate of acquisition.

Current account

Conditions: None

Annual fee: €20 • Initial deposit: €0

Check deposit: ✘ • Cash deposit: ✔

Bank card

Monthly cost of the card: 0 €

Euro zone withdrawals: €0.5 from a tobacconist, €1 at an ATM • Euro zone payments: Free

Withdrawals in foreign currencies: €2 per transaction • Payments in foreign currencies: €1 per transaction

Proposed cards

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