Hello bank! is an online bank that initially cut its teeth with individual customers. For some time, it has also been active in the professional segment with a dedicated offer: Hello Business. Very complete, the latter allows the self-employed and auto-entrepreneurs to have a range of banking products adapted to their needs.
Hello Business is the combination of an online bank and a traditional network bank (Hello bank! belongs to the BNP Paribas group). This offer makes it possible to have a full range of banking products available on all media (computer, mobile) with an aggressive pricing of €10.90 excluding tax per month. Current account, bank card, invoice manager, loans, mobile TPE, the essential needs for professional customers are covered.
At this moment, the first month is free here :
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Who is Hello Business for? The account for online banking professionals Hello bank! is aimed at workers under the status of micro-entrepreneur or individual entrepreneur (craftsmen, traders, farmers, liberal professionals, etc.).
1) A current account available 24 hours a day
Online banking obliges, Hello bank! provides its professional customers with banking access at any time, day or night. From a computer or a mobile terminal, you can access your bank accounts. Transactions are uploaded directly to the bank’s interfaces: your bank balance is displayed instantly. This allows you to follow your expenses as closely as possible, to manage your budget.
To open a current account, Hello Business asks its customers to be of legal age, reside in France, be declared as an individual entrepreneur or micro-entrepreneur and also have a SIREN number. If this is your case, you can take advantage of this advantageous formula which is above all adapted to a clientele of independent contractors.
2) Simplified check deposit
In almost all online banks, it is mandatory to go by mail to fund your account by check. Hello Business also offers a formula of this type: customers can scan their check on their banking application (to keep track of it) before sending it by post to the establishment. The latter will then be responsible for crediting the amount to the customer’s account. This process may take a few days.
For those who need to fund their account urgently, Hello Business offers a real advantage: you can also deposit your checks for free in one of the 1,800 branches of the BNP Paribas group in France. You can thus deposit them in ATMs and save a few precious hours on cashing the check. Boursorama Banque, N26 or Qonto cannot say the same.
3) Cash facility and credits
When you open a Hello Business current account, the bank immediately provides you with an overdraft facility (equivalent to an authorized overdraft). The latter allows you to have 1,550 euros of flexibility, which allows you to better manage your cash flow. When we know that the main reason for the bankruptcies of French companies is unpaid bills, this flexibility is very relevant.
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In the longer term, you can also take out a loan (which must of course be repaid). This pro credit makes it possible to obtain, within 48 hours, a contribution of up to 25,000 euros. Hello Business will not ask you for any application fees and offers you flexibility on reimbursement. You can increase or decrease the amount of your reimbursements depending on your situation.
4) The mobile TPE
Hello Pay Pro is a collection solution offered by Hello bank! which accepts payment by credit card. This solution comes with a small box (mobile TPE) which relies on the internet connection (and Bluetooth) of your smartphone to ensure receipts. Rather than delaying payment, you can therefore draw your EPT to make instant cash receipts, wherever you need them.
What about invoicing? Each transaction by this means is charged 1.60% including tax. However, you have the advantage of being able to take advantage of these funds on D+1 working day after your collection. In addition, you have no monthly subscription or rental fees for the TPE.
5) The invoice manager
Unique to the BNP Paribas group, My Business Assistant Start is a service that allows you to create, modify and edit quotes, invoices and credit notes in order to facilitate the day-to-day management of your professional activity. It is a tool that is available free of charge to all the bank’s professional customers. This kind of mini-CRM makes it possible to ensure good follow-up of invoices and to follow up with customers when necessary!
From this interface, you will be able to better manage the administrative part of your activity: entry of customer data, configuration of personalized emails, summary of invoices or even details of the VAT collected. These are all daily challenges for an entrepreneur, but Hello Business makes your job much easier.
Freelancers and Independents, don’t start alone!
With My Business Assistant Start, opt for a complete service to manage your business 📊
👉 https://t.co/CYkfpFaHlk #freelance #accounting #freelancetips pic.twitter.com/cNVE0tUeRQ
— Hello bank! France (@Hellobank_fr) August 29, 2022
And many more services
We could also tell you about the international bank card (immediate or deferred debit), the insurance included or even the free assistance in the event of a dispute abroad. If you want to know more, we invite you to go directly to Hello Business customer service. HelloïZ is a virtual assistant that can answer all basic questions about the service.
To get help from a telephone advisor, you can also call from 8 a.m. to 10 p.m. Monday to Friday and from 9 a.m. to 5:30 p.m. on Saturday. Hello bank! for professionals offers extended hours to meet the (sometimes urgent) needs of its customers at all times.
For any opening before October 3, the first month is free:
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