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Hello bank! review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Hello bank! suits people in France who want a euro account with nothing to pay each month and a savings pot alongside it. The current account carries a monthly fee of €0, the account is digital only with a joint option, and French supervision sits with ACPR and AMF.

Key facts

Best for
A euro current account with a savings pot, no monthly charge and no currency conversion markup.
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0%↗
Transfer fee
Free SEPA instant transfer via Wero in the app, up to 500 EUR per day↗
Legal entity
BNP Paribas↗
Headquarters
France↗
Founded
2013↗
Support channels
Email, Chat, Phone, Help-centre, Community↗
Audience
Business, Travelers, Teens
Pricing model
No monthly fee, Low FX fees
Features
Free ATM withdrawals, Joint account, Digital-only
Official website
hellobank.fr

Savings

Headline rate
2.5%↗
Rate type
Fixed↗
Account kind
Easy access↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • Deposits sit under EU DGS up to EUR 100,000.
  • Support runs on email, chat and phone, covering phone, chat, email, a help centre and a community.
  • The features listed are free atm, joint account and digital only, so free ATM withdrawals and a joint account come with the everyday account.
  • Instant euro transfers in the app are free within a daily limit.

Cons

  • The savings rate is fixed at 2.5%, which sits under the site median of 3% for savings listings.
  • The digital only entry in free atm, joint account and digital only is the whole setup, so anyone who prefers in person service has no counter to visit.

Ready to try Hello bank!?

Scored 9.2 / 10 by VaultCue.

See alternatives

Who it suits

  • People in France who want a euro current account with a monthly fee of €0.
  • Travellers, teens and business users, the audiences named in business, travelers and teen.
  • Couples sharing a balance, since a joint account and free ATM withdrawals are both listed under free atm, joint account and digital only.

Who should look elsewhere

  • Anyone who charges for currency conversion: Skrill charges 3.99% and bunq 3%, against 0% here.
  • Readers who pick on the monthly fee alone: PayPal Colombia also charges $0, and the cover here is the EU DGS up to EUR 100,000 guarantee with ACPR and AMF supervision.

Rates and card terms

The savings side of the offer pays a headline rate of 2.5% with a rate type of fixed. A fixed rate means the return on a balance does not move when market rates shift, so the figure is easier to plan a contribution around than a variable one. That steadiness suits money that can sit for a term, and it is the savings account, not the current account, that carries this rate.

Fees and FX

The current account carries a monthly fee of €0, and currency conversion on the account costs 0%. Instant euro transfers in the app are free within a daily limit. With no monthly charge and no conversion markup, the running cost of the account comes down to what you actually spend and convert, which is where most fees at other providers are earned back.

How Hello bank! compares

Where Hello bank! is available

Available
France
Licence in France
ACPR (Autorite de Controle Prudentiel et de Resolution), checked September 26, 2026
Licence in France
AMF (Autorite des Marches Financiers), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Hello bank! cost to run each month?+

The current account has a monthly fee of €0 and a currency conversion fee of 0%, so the running cost does not rise with use. The account sits at position 1 of 500 on the monthly fee and position 1 of 312 on conversion.

Is my money protected at Hello bank!?+

Deposits sit under EU DGS up to EUR 100,000. The account is run from FR, with BNP Paribas as the legal entity, and French supervision sits with ACPR and AMF. A named bank behind the account and a stated guarantee figure are easier to weigh than a wallet balance.

What rate does the savings account pay?+

The savings account pays a headline rate of 2.5% and the rate type is fixed. A fixed rate stays put, so the return on a balance does not move with market rates. The account kind is easy access, so savings money stays easy to reach.

What does the account include?+

The listed features are free atm, joint account and digital only, which covers free ATM withdrawals, a joint account and digital only service. A joint account lets two people share a balance, and free withdrawals help where cash is still used. Digital only service keeps day to day banking in the app.

Who is Hello bank! for?+

The stated audience is business, travelers and teen, so business users, travellers and teenagers sit inside the intended group. Business users get a joint account option, travellers convert at 0%, and the account has run from FR since 2013.

How do I reach support?+

Support runs on email, chat and phone. That covers phone, chat, email, a help centre and a community, so quick questions and complicated ones both have a route. With a digital only service, most of that help runs through the app rather than a counter.

Where can the account be used?+

The account is French, with FR as the home country and BNP Paribas as the legal entity, under ACPR and AMF supervision. Cash withdrawals are free, which is part of free atm, joint account and digital only. Converting euros elsewhere costs 0% on the account.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currencies.

Hello bank!

A euro current account with a savings pot, no monthly charge and no currency conversion markup.

9.2/10See alternatives