This is a strong trend in online banking and neo-banking. Simplified bank accounts are now being promoted by most market participants. Hello bank! offers Hello One, an offer that has the advantage of being accessible to everyone. It is enough if you live in France and are a major. This means that no regular income is required, so that, for example, students can open an account.
Why subscribe to the Hello One offer?
The first benefit of Hello One is the ability to access a single bank account for zero euros per month. In addition, there are no fees for not using your bank card.
This offer also makes it easier to manage your account. All transactions are immediately visible and the account balance is updated in real time. Suffice it to say, this can avoid nasty surprises at the end of the month. It is also possible to change your payment and withdrawal limits with just a few clicks for better control over your budget.
Hello One is also a tool for categorizing your expenses. Automated ranking gives you the opportunity to see and know more clearly how your money is being used each month. The ability, why not, to adjust your behavior and make your decisions more informed.
What distinguishes the offer?
As in all banking institutions, this free Hello Bank! includes blankets. They are € 1,000 over 30 consecutive days for payments and € 400 over 7 days for ATM withdrawals.
No fees are charged for payments abroad. Withdrawals are free across the BNP Paribas network and the Global Alliance network (Bank of America, Deutsche Bank, Barclays). On the other hand, there are 1.50% fees for foreign currency transactions.
You can also pay on the go with the Hello One offer, which gives you access to Apple Pay. It is a simplified payment offer with which you can save your credit card on your iPhone so that you can pay with it without contact. You can also use the Paylib mobile solution, which is based on the same principle. Finally, contactless payment is also possible using the Hello One card.
A bank card compatible with the Visa network
First of all, you should know that the Hello One card will be provided for free when you subscribe to the offer. While some of Hello Bank! Sometimes they tend to hide costs of inactivity. This is not the case here.
The Hello One card is compatible with the Visa network. This of course allows you to pay at the 31 million equipped merchants, and it is also possible to withdraw from the 1.4 billion compatible merchants. So you can travel with peace of mind without worrying about possible compatibility issues.
It should also be noted that it is an instant charge and systematic authorization. Therefore, your account will be consulted on every transaction and the overdraft will not be authorized. If it turns out that the remaining amount is insufficient, the payment will be refused. This gives you the opportunity to manage your budget in a more balanced way without taking the risk of overspending.
A team that listens to your concerns
There may be times when you want to change the offer or leave the facility. In this regard, hello bank! If you give an example, you can cancel your card contract and / or close your account at any time. All you have to do is send a message through your customer area.
Online banking offers very responsive customer support that addresses your concerns. You can contact the teams by phone or online for extended periods of time.
Conditions: No income condition
Annual fees: € 0 • Initial deposit: € 10
Check deposit: ✔ • Cash deposit: ✔
Monthly cost of the card: € 0
Withdrawals in the Eurozone: Free • Payments in the Eurozone: Free
Payments in foreign currency: Free of charge • Payments in foreign currency: Free of charge