# Hello bank! Pro: Business account

> BNP Paribas's online professional account for French sole traders and one-person companies (EURL, SASU, SELASU, SELEURL): a French bank account with no account fee, SEPA Instant, and the Hello Business bundle at €10.90 a month excluding VAT with a Visa card, invoicing and fee-free card use worldwide.

Finzil profile: https://finzil.com/providers/hello-bank-pro · Provider website: https://hellobankpro.fr · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** from €0 (Hello Business €10.90 excl. VAT)
- **Setup fee:** Free
- **Currencies:** 1 (EUR; transfers in 32 currencies)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Bank (BNP Paribas)
- **IBAN:** French IBAN
- **Payment rails:** SEPA, SEPA Instant, international transfers
- **Cards:** Visa Hello Business (in the bundle)
- **Safeguarding:** Deposit guarantee (FGDR)
- **Remote opening:** Yes
- **Non-residents:** Not accepted
- **Headquarters:** France
- **Trustpilot:** 2.8 from 36 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not accepted
- **Countries of incorporation accepted:** France (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** France
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Sole traders and micro-entrepreneurs, EURL, SASU, SELASU and SELEURL (one-person companies)

## Industries

- **Industries served:** Freelancers, Professional services, Startups and SMEs
- **Prohibited industries (provider's own list):** Not published

## Licences

- France: ACPR / ECB, Credit institution, BNP Paribas, register no. 30004 (https://www.regafi.fr/)

Safeguarding: Hello bank! is a brand of BNP Paribas S.A., a French credit institution. Deposits are covered by the French deposit guarantee fund (FGDR) up to €100,000 per depositor.

## Fees

Source: https://www.hellobankpro.fr/fr/tarifs (checked 2026-10-20)

### Plans

- **Compte professionnel:** Free
- **Hello Business:** 10.9 EUR a month

### Outgoing

- SEPA Instant: Free

### Currency exchange (FX)

- FX markup: Not published

### Cards

- Physical card issue (Hello Business): Free · Visa Hello Business, in the bundle
- Card FX: Not published · Card use abroad without Hello bank! fees; exchange rate and third-party fees apply

## Opening an account

Opening an account typically takes three to five business days.

1. **Check eligibility.** You must live and pay tax in France, have a SIREN and trade as a sole trader or one-person company.
2. **Apply online.** Fill in the form (pre-filled from the SIREN), choose the offer and sign electronically.
3. **Documents and transfer.** Send the supporting documents and make a first transfer of €10 to €300.
4. **Account live.** After acceptance the account is opened, a few days after the file is received.

Documents: Not published

## Pros and cons

- Pro: A BNP Paribas bank account with no account-management fee
- Pro: Hello Business bundle: Visa card, fee-free card use worldwide and invoicing for €10.90 a month
- Pro: SEPA Instant included
- Pro: Cheque and cash deposits in BNP Paribas's network
- Pro: Three months of the bundle free on opening (offer to 31 December 2026)
- Con: Only sole traders and one-person companies (EURL, SASU, SELASU, SELEURL)
- Con: Applicant must live and be tax-resident in France
- Con: The card comes only with the paid bundle
- Con: €30 a month on an inactive account
- Con: Trustpilot score of 2.8 from 36 reviews

## Finzil's take (opinion)

Hello bank! Pro gives French sole traders and one-person companies a real BNP Paribas account with no account fee, plus branch access for cash and cheques. Anyone with partners or living outside France cannot use it, and the card comes only with the €10.90 bundle.

## Alternatives

- [BoursoBank Business](https://finzil.com/providers/boursobank-pro): Bank · France
- [L by LCL Pro](https://finzil.com/providers/lcl-pro): Bank · France
- [Shine](https://finzil.com/providers/shine): Payment institution · France
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France

## FAQ

**Is Hello bank! Pro a bank?**

Yes. Hello bank! is a brand of BNP Paribas S.A., a French credit institution (bank code 30004). Deposits are covered by the FGDR up to €100,000.

**How much does Hello bank! Pro cost?**

The professional account has no account-management fee. The Hello Business bundle, with the Visa card and invoicing tool, costs €10.90 excluding VAT (€11.50 including VAT) a month, with the first three months free for applications signed by 31 December 2026.

**Who can open an account?**

Adults living and tax-resident in France, with a SIREN, trading as a sole trader, micro-entrepreneur, EURL, SASU, SELASU or SELEURL. Companies with several partners are not accepted online.

**Can I deposit cash and cheques?**

Yes, cash at BNP Paribas cash machines and cheques by app scan or at a BNP Paribas branch.

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