Hello bank

What Hello bank does

Hello bank! is a digital-direct retail bank and wholly-owned brand of BNP Paribas, operating exclusively in France since its launch in 2013. It serves over one million clients across four primary segments: individual consumers (solos and joint-account duos), professionals and self-employed workers via a separate Pro platform, minors (0–17) under parental supervision, and international residents in France. The product portfolio spans free and premium current accounts (Hello One, Hello Prime, and Duo variants), regulated savings (Livret A, LDDS, LEP, Livret Hello+, Hello Max term deposits), life insurance, brokerage, six new crypto-assETNs launched March 2026, personal/auto/mortgage credit, and home/auto/mobile/accident insurance — distributed entirely through the hellobank.fr website and mobile apps (4.7/5 App Store, 4.6/5 Google Play), with no physical branches.

The platform is mobile-first and AI-augmented: a generative AI virtual assistant powered by Mistral AI was deployed to all clients in January 2026 under a renewed three-year BNP Paribas–Mistral AI partnership, complementing the 24/7 Helloïz chatbot. Authentication is handled by the in-app Clé Digitale and SMS Renforcé (DSP2-compliant), and Hello Start+ automates bank mobility. Payment integrations include Apple Pay, Garmin Pay, Wero instant SEPA, Paylib, and b.connect password-free e-commerce login. The Hello Extra cashback program (powered by Paylead) offers 90+ monthly partner offers, doubled for Hello Prime subscribers.

The revenue model combines account fees (€0–9/month subscription tiers), interest income on credit and overdraft products (facilité de caisse), interchange and FX margins on card payments, commission on insurance and life insurance distribution, float and promotional yields on savings, and brokerage on ETNs and securities. Customer acquisition runs through referral programs (parrainage, €20 per referral), digital marketing, and partnerships with VeePee and Showroom Privé, supported by a €280 welcome bonus and €200 mobility gift card through July 2026.

Name

Hello bank

Legal name

BNP Paribas SA

Website

https://hellobank.fr

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Hello bank! is the digital-direct retail banking brand of BNP Paribas, serving over one million French consumers with mobile-first current accounts, credit, savings, insurance, brokerage, and crypto ETNs, distributed entirely online.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Retail banking services
• Digital banking
• Online current accounts
• Consumer credit products
• Savings and investments

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Account Management Fees: Monthly account fees for premium accounts (Hello Prime at 6€/month after promo period, Hello One at 6€/month if card not used)
2. Interest Income on Credit Products: Revenue from personal loans, auto loans, mortgage loans, and overdraft facilities (facilite de caisse)
3. Card Transaction Fees: Interchange fees from card transactions, foreign exchange margins on international payments
4. Savings and Investment Products: Revenue from savings accounts (Livret A, LDDS, LEP, Livret Hello+), life insurance (Assurance vie Hello!), and brokerage services
5. Insurance Products: Commissions from home insurance, auto insurance, mobile device insurance, and accident insurance products
6. Crypto ETN Trading: Revenue from offering 6 new crypto-asset Exchange Traded Notes (ETNs) providing exposure to Bitcoin and Ether

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Hello bank! is a pure-play digital direct bank offering a full suite of retail banking products through its mobile app and website to French residents. Core offerings span current accounts (Hello One, Hello Prime, plus Duo joint accounts), savings (Livret Hello+, Hello Max term deposits, regulated livret accounts), credit (mortgage, personal, auto loans), insurance (home, auto, mobile device, accident, life), and investments (ETN Crypto, brokerage, life insurance). All services are delivered online with no physical branches, supported by an AI-powered virtual assistant (Mistral AI partnership) and 24/7 chatbot.

Product overview

Hello bank! is the online banking arm of BNP Paribas offering a comprehensive suite of digital banking products and services. The core account portfolio spans four main tiers: Hello Prime (premium, 0 euros/month with physical+virtual card and priority support), Hello Prime Duo (joint account), Hello One (free individual account with no foreign fees), and Hello One Duo (joint variant). Banking mobility is served through Hello Start+, which transfers standing orders and direct debits automatically from a previous bank for free, with a 200 euro gift card incentive. Savings products include Livret Hello+ (2.30% promotional rate for 12 months), Livret A, LDDS, LEP, and Compte à terme Hello Max (fixed-term deposit from 10,000 euros). Investment offerings encompass Assurance vie Hello! (life insurance), ETN Crypto (6 Bitcoin/Ether ETNs launched March 2026), and mobile brokerage. Credit products cover mortgage loans, personal loans, auto loans, and home improvement loans. Insurance offerings include home (via Homiris), auto, mobile device (via Mobileo), and everyday accident coverage. Digital services include virtual cards, Apple Pay, Garmin Pay (Fitbit Pay discontinued 2024), Cashback Hello Extra (via Paylead), Clé Digitale (secure authentication), SMS Renforcé (2FA), b.connect (password-free e-commerce login), Wero (instant SEPA payments via mobile), and Paylib. AI-powered features include Helloïz (24/7 chatbot) and a generative AI virtual assistant powered by Mistral AI deployed to over 1 million clients since January 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Hello Prime: Premium individual account offering with priority customer service access, insurance coverage, and doubled cashback benefits through Hello Extra program.
• Hello One
• Hello Prime Duo
• Hello One Duo
• Hello Origin
• Hello Start+
• Hello Extra
• Hello Max
• Livret Hello+
• Helloïz
• Hello bank! Pro

Products and services

• Hello Prime Premium individual current account at €0/month (free for 6 months under promotion; free thereafter with €1,500/month income, otherwise €6/month). Includes one physical and one virtual Visa card, no fees on payments in France and abroad, priority access to Hello Team customer service, enhanced insurance benefits, and doubled cashback via Hello Extra up to €50/year.
• Hello Prime Duo Premium joint current account for couples at €0/month (free for 6 months under promotion; free thereafter with €3,000/month combined income, otherwise €9/month). Includes two physical and two virtual Visa cards, no foreign transaction fees, priority service access, and doubled cashback via Hello Extra.
• Hello One Free individual current account at €0/month subject to at least one card payment/withdrawal per month; otherwise €6/month. Includes a Visa debit card with no fees on payments in France and abroad, no account maintenance fees, and real-time balance updates.
• Hello One Duo Free joint current account for couples at €0/month under usage conditions (otherwise €6/month). Includes two Visa debit cards with no fees on payments in France and abroad.
• Hello Start+ Free banking mobility service that automatically transfers all standing orders and direct debits from a customer's previous bank to Hello bank!; includes a €200 gift card bonus (offer valid June 1 - July 7, 2026).
• Livret Hello+ Online savings account offering 2.30% gross annual interest rate guaranteed for 12 months on balances up to €50,000 (promotional offer until July 27, 2026); standard rate of 0.50% up to €50,000 and 0.60% beyond thereafter.
• Compte à terme Hello Max Fixed-term savings account offering guaranteed returns over 1 to 12 months starting from €10,000; secured savings product.
• Assurance vie Hello! Life insurance product for investment and savings purposes; subject to market fluctuations and risk of capital loss.
• ETN Crypto Exchange Traded Notes providing indirect exposure to Bitcoin and Ether without direct purchase or holding of underlying crypto-assets; issued by recognized asset managers and regulated under MiFID2; launched March 30, 2026.
• Crédit immobilier Real estate mortgage loan for purchasing property; includes tools for estimating borrowing capacity, simulating monthly payments, and requesting a loan.
• Prêt personnel Personal loan for financing projects; example rate of 4.20% fixed TAEG for a €12,000 loan over 48 months (€271.59/month, total €13,036.32).
• Prêt auto Auto loan for purchasing or leasing vehicles; offered in partnership with Mobility4You.
• Assurance habitation Home insurance product covering habitation risks.
• Assurance auto Auto insurance product for vehicle coverage.
• Assurance appareils mobiles Mobile device insurance covering theft, breakage, and oxidation for personal devices and family members; provided through Mobileo.
• Assurance Accidents du quotidien Accident insurance covering everyday accidents for individuals and families.
• Télésurveillance Homiris Home security monitoring service provided through Homiris; includes surveillance and alert systems.
• Hello Origin Banking card designed for young people; teaches budget management, spending tracking, and savings habits while parents retain control.
• Offre bancaire jeunes Banking products for children and teenagers aged 0-17; includes savings accounts and cards tailored to young customers with parental oversight.
• Cashback Hello Extra Cashback loyalty program powered by Paylead; reimburses a portion of spending when customers shop at partner merchants; activated via the Hello bank! app; no cap on cashback amount; doubled for Hello Prime customers up to €50/year.
• Helloïz (AI Assistant) AI-powered generative chatbot available 24/7 for customer inquiries; augmented by human Hello Team advisors available up to 8pm; accessible via chat on the website and app; powered by Mistral AI and deployed to over one million clients since January 2026.

Quantifiable outcome

• Ranked #1 in digital customer relationship for 5 consecutive years (2020-2024)
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Mistral AIcoreTechnology or Integration · 27 May 2026BNP Paribas renewed partnership with Mistral AI for three years (extending from 2023 collaboration formalized in 2024). Covers software, solutions, and co-development research. Priority use cases include internal knowledge management, KYC automation, and generative AI assistants. Virtual assistant deployed to over 1 million Hello bank! clients since January 2026.
• BNP Paribas Global NetworkcoreTechnology or IntegrationGlobal network of 42,000+ ATMs in ~50 countries enabling fee-free cash withdrawals for Hello bank! customers. Includes both BNP Paribas international subsidiaries and Global Alliance partner banks worldwide.
• Global AlliancecoreTechnology or IntegrationInternational banking alliance including major global banks (including BNP Paribas) providing shared ATM network for fee-free international withdrawals.
• VeePee (Vente Privée)minorGTM or Marketing PartnerPartnership for promotional offers where VeePee members can receive account opening credits when opening Hello bank! account through special links.
• Showroom PrivéminorGTM or Marketing PartnerPartnership for promotional offers where Showroom Privé members can receive account opening credits when opening Hello bank! account through special links.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Boursorama Banque: Société Générale's online banking subsidiary and the French digital-banking market leader. Directly competes with Hello bank! on free current accounts, savings, brokerage, and credit products targeting the same French retail customer.
• Fortuneo: Crédit Mutuel Arkéa's online bank offering current accounts, savings, life insurance, and brokerage to French consumers. Closely comparable in product scope, fee structure, and target segment to Hello bank!.
• Monabanq: Crédit Mutuel's online-only bank offering current accounts, savings, credit, and insurance in France. Competes head-to-head with Hello bank! for digitally native French retail customers.
• Orange Bank: Telco-backed (Orange) digital bank in France offering current accounts, savings, credit, and insurance. Comparable distribution model via Orange's customer base and overlapping target market with Hello bank!.
• Ma French Bank: La Banque Postale's mobile-first digital bank launched to defend the group's retail base. Directly comparable target customer, product mix, and digital-only distribution model to Hello bank!.
• Nickel: Acquired by BNP Paribas in 2017; offers no-fee basic banking via tobacconist points of sale in France and other European markets. Sister brand under the same parent, targeting adjacent (unbanked/underbanked) French customer segments.

Emerging players

• Revolut: UK-headquartered global digital bank with a strong French customer base. Competes with Hello bank! on multi-currency accounts, card payments abroad, and app-led UX, though with a broader European product roadmap.
• Lydia: French mobile-first payments and account platform with peer-to-peer transfers, cards, and aggregation features. Comparable on mobile-first UX and French target market, though with a narrower credit and savings offering than Hello bank!.
• bunq: Dutch-headquartered European neobank with multi-country digital account offerings. Comparable on product-led digital banking and app-led acquisition, though not operating domestically in France.

Others

• Starling Bank: UK challenger bank operating a mobile-first current account, savings, and lending platform. Closely comparable business model and product architecture to Hello bank!, but serves a different geography without a French retail footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Hellobank_fr
• YouTubeyoutube.com/user/HelloBankfr
• Facebookfacebook.com/HelloBankFr
• LinkedInlinkedin.com/company/hello-bank-
• Instagraminstagram.com/hellobank
• TikToktiktok.com/@hello_bank_france

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hello bank