Hello banker! : the online bank of BNP Paribas
The BNP Paribas bank has the online bank Hello bank! in 2013. At that time, she was one of the pioneers in the field, allowing her to settle comfortably in France, as well as in many European countries, such as Germany, Italy or Austria. Today it has more than 600,000 customers. When it’s his Hello bank! Pro, the aim was to reach independent French professionals to make them a banking offer that would facilitate their financial management. Since the PACTE law of May 2019 obliges self-employed persons with an annual turnover of more than 10,000 euros over two consecutive years to open a professional account, this offer meets this need.
But above all, it allows those who subscribe to it to be completely legal if there were a check. Hello Business therefore offers professionals tools and services that give them more autonomy and mobility in the management of their activity, such as the VISA business card or the tool for creating invoices and quotations.
Who can benefit from Hello Business?
Just like the other Hello bank! Pro, only independent professionals living in France can take advantage of the Hello Business offer. These are therefore natural persons who operate under the status of micro-entrepreneur or individual entrepreneur. They must have chosen sole proprietorship status to manage their work and be of legal age to benefit from it. The process, in turn, can be performed online.
The applicant will have to start by filling out a form on which he will indicate his personal details and contact details. He will then be asked to submit supporting documents to prove his identity and independent status. He can declare himself an entrepreneur by submitting proof of registration. However, it must be less than 3 months old to be valid and used to open the account. Finally, an electronic signature will be requested, as well as an initial payment of at least 10 euros, which will allow the opening of the Hello bank! Pro.
What does the Hello Business offer include?
First of all, you should know that the Hello Business offer is a bundled offer of banking services and products, for one price. So no more transaction costs or commissions. This considerably simplifies business operations for the self-employed professional. Even in the event that the entrepreneur is no longer interested in keeping this account open, it is possible to close it free of charge, since opening it does not require any obligation from the holder.
The offer includes a VISA Hello Business card that allows the car entrepreneur to withdraw money worldwide. This is available for immediate payment, but also deferred depending on what the holder prefers. Such as Hello bank! part of the BNP Paribas network, this professional bank card allows you to deposit money in all its branches, at ATMs. To cash your customers’ checks, the Hello bank! offers check scanning, no more traveling to branches, scan your customer’s check and mail the original to your bank for free. With insurance and assistance guarantees, the self-employed can also be insured in the event of hospitalization or, in particular, during their business trips.
Other services that Hello Business offers are My Business Assistant Start (MBAS). This tool offers professionals the possibility to create, modify and personalize quotations or invoices. A considerable time gain, so that you are no longer obliged to remove your files every time. All customer data can be integrated into the database that is accessible via the Hello bank! app and website. Another advantage of Mon Business Assistant is that it anticipates cash flow needs and calculates VAT automatically.
Although the Hello Business offer offers professionals many tools and services, it also offers direct SEPA transfers. The aim is always to make the daily life of the self-employed easier. And with this in mind, it is made possible to control an activity directly from the application, available on iOS and Android.
Content provided by Hellobankpro