Is it better to choose the free or paid account?


Over the past decade, Hello bank! has been one of the fastest growing online banks in the market. The subsidiary of the BNP Paribas group capitalizes on the know-how and the solidity of its parent company while benefiting from a certain flexibility in its offer. In 2020, the establishment overhauled its range to retain only two formulas: Hello One and Hello Prime.

Available as an individual or joint account, these two options include a current account and a bank card. However, they have a certain number of specificities which makeHello Prime is paid while the Hello One formula is free. Between the two, which one should you choose?

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Hello One, the pragmatic offer

If you are looking to Minimize your bank charges while taking advantage of a complete banking offer, Hello One is the formula you will prefer. This revolves around a current account and a bank card similar to a Visa Classic. The first advantage is that it is accessible without conditions of income, without commitment of duration and that it is free. The card will need to be used once a month for it to remain free of charge.

The Hello One card also allows you to manage your budget conservatively : at any time, you can check your account balance in real time (from your personal space via the Hello bank! website or mobile application). The online bank has set a payment limit of 1,000 euros over 30 rolling days and a withdrawal limit of 400 euros over 7 days.

The associated CB is systematically authorized and will not allow you to have an overdraft. Unlike many neo-banks, this card with systematic authorization still allows you to pay tolls, parking and other car rental contracts. By opting for Hello One, you are therefore guaranteed to always stay in the green since all operations will be validated upstream.

Hello bank! has also designed its online bank so as not to rush its customers coming from more traditional establishments. Even with Hello One, you will be able to access cash and check withdrawals and deposits at BNP Paribas branches. While other online banks no longer allow you to top up your account with cash, Hello bank! relies on the network of 2,200 branches of its parent company to offer this comfort to customers. Including those who opt for the free formula!

Of course, this free plan also gives you access to the full range of banking products from Hello bank! : life insurance, insurance, loans, savings and stock market are accessible in a few clicks from his personal space. If needed, online banking advisors are available by phone from 9 a.m. to 6 p.m. Monday to Friday, by email or via online chat.

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



Hello One or Prime

© Hello bank!

Hello bank!

© Hello bank!

An all-comfort package: Hello Prime

If you are used to premium services and Visa Premier cards, it will make sense to turn to Hello Prime. This formula offers a maximum level of comfort to its holders, in individual or shared version. But before being able to take advantage of it, you will have to prove 1,000 euros in net income (or 2,000 euros for a joint account) and pay a monthly contribution of 5 euros (or 8 euros for a joint account).

By subscribing to this non-binding formula, you have access to a current account and an ultra-flexible bank card. This is immediate or deferred debit with raised ceilings (up to 2,500 euros per month for payments and 1,200 euros for withdrawals over 7 days) and an authorized overdraft. Above all, it assures you the total absence of fees on all operationsin euros and in foreign currencies everywhere in the world.

In addition to all the advantages mentioned above for the Hello One card, the Hello Prime formula comes with a more prestigious card. Similar to Visa Premier on insurance and guarantees in the event of a delicate situation (cancellation or modification of trip, trip interruption, rental vehicle, plane delay, SNCF train delay, theft/loss/damage of luggage, medical assistance).

By choosing Hello Prime, you also gain access to a VIP service for instant SEPA transfers, all of which are free. Note that if necessary, premium customers of online banking also have access to priority customer support. You are thus guaranteed to have access to a specialized banking adviser as soon as possible.

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A big welcome bonus

Whether with Hello Prime or Hello One, Hello bank! is the online bank that comes closest to traditional establishments. You are guaranteed to have a nearby bank, always with a physical link (via ATMs) and a full range of banking products. Icing on the cake, Hello bank! currently offers a financial argument to open an online account with her.

In the case of the Hello One formula, you will receive 80 euros in bonus when you have activated your account. The Hello Prime formula is even more generous since beyond the 80 euros offered, you will also receive the first 6 months of membership free. This therefore corresponds to 6 x 5 euros (for the individual account), or 30 euros in additional savings. This premium coupled with the reduced (or even non-existent) fees of the bank will save you a gigantic amount compared to a traditional establishment, which charged an average of 219 euros in fees to its customers in 2021.

To discover the two Hello bank! formulas, it’s here:

Discover the Hello bank!

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