Hello bank! — French digital-direct retail bank operated by BNP Paribas, supervised by ACPR.
- HQ
- Paris
- Customers
- 700k+ customers in France
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your Hello bank! current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by Hello bank! are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your Hello bank! account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Not yet supportedWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Not yet supportedMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Carrefour
- Monoprix
- Franprix
- SNCF
- TotalEnergies
- Amazon
- Apple
- Booking.com
Detected subscriptions
- Netflix
- Spotify
- Canal+
- Disney+
- Orange
- Free
- How much sits across my Hello bank! compte courant, Livret A and PEA?
- Compare my Hello bank! card spend at Monoprix and SNCF with last quarter.
- List every recurring Canal+, Orange and Free payment on my Hello bank! account.
- What's the next direct debit due on my Hello bank! account?
- Bank
BNP Paribas
Paris global bank; compte courant, Livret A and PEA surfaced in Bank AI.
→ - Bank
Credit Agricole
France's largest banking group by retail customers; surfaced in Bank AI.
→ - Bank
Societe Generale
Paris global bank with strong retail and capital markets; surfaced in Bank AI.
→ - Country
🇫🇷 France
France implements PSD2 via the ACPR, with the Banque de France handling AISP licensing in coordination with the European Banking Authority.
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Does Bank AI move money on my Hello bank! account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Hello bank!. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Hello bank! app.
How does Bank AI connect to Hello bank!?
Hello bank! exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Is Hello bank! the same as BNP Paribas?
Hello bank! is BNP Paribas's digital-direct subsidiary in France. Bank AI reads each one as its own connection so a BNP Paribas branch relationship and a Hello bank! account stay distinct.
Does Bank AI surface my Hello bank! Livret A and PEA?
Yes. Livret A, LDDS, LEP and the PEA are read as distinct wrapper-aware accounts under your Hello bank! connection.
What about my Hello Prime and Hello One subscription tiers?
The connection is at account level, not at tier level - Hello One, Hello Prime and Hello Business accounts are read identically. The tier's monthly fee is detected as a recurring subscription outflow.
What happens if Hello bank! raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Hello bank!-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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