Hello bank! review

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

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Our verdict

Hello bank! gives existing customers a fixed 4.2% on personal loans and no dossier fee, and suits French residents who are already customers and want to borrow for home improvements. The trade-off is speed: a hard credit check, then money that moves only after a short processing period.

Key facts

Best for
Existing customers in France who want a low fixed rate on a home improvement loan.
APR
4.2% (Source, checked September 26, 2026)
Loan amount
€1,000 to €75,000 (Source, checked September 26, 2026)
Term
4 to 108 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR - no origination (dossier) fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Funds by transfer within 14 days of acceptance at the latest; from day 8 on request, otherwise day 15 (Source, checked September 26, 2026)
Representative example
12 000 EUR over 48 months: 48 instalments of 271,59 EUR, total due 13,036.55 EUR, fixed TAEG 4.20 %, interest 1,036.55 EUR, no dossier fee (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Any adult natural person, French resident, already a Hello bank! customer for at least 3 months; 3 months' account tenure required before applying (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
BNP Paribas (BNP PARIBAS, SA, RCS Paris 662 042 449) (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
hellobank.fr

Mortgages

Initial rate
3.45% (Source, checked September 26, 2026)
APRC
4.206% (Source, checked September 26, 2026)
Fixed period
20 years (Source, checked September 26, 2026)
Product fee
€1,980 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
BNP Paribas (BNP PARIBAS, SA, RCS Paris 662 042 449) (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInXyoutube.com

Pros and cons

Pros

  • A fixed 4.2%, below both PHP 12 to PHP 36 and 10% to 23% here.
  • The dossier fee on personal loans is 0 EUR - no origination (dossier) fee, so nothing is stacked on top of borrowing.
  • Terms run 4 to 108 on a fixed rate basis, so the monthly cost is known from the start.
  • Support runs on email, chat and phone.

Cons

  • A hard credit check is required, which puts it out of reach for thin files.
  • Eligibility needs a minimum age, residence in the country and an account held for a waiting period, so new customers cannot apply straight away.
  • Funding time runs to a processing window after acceptance, so urgent work has to wait.

Ready to try Hello bank!?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Existing Hello bank! customers in France who have held the account long enough to qualify.
  • Borrowers funding home improvements, the stated use case for these personal loans.
  • Anyone who wants fixed pricing and can clear a hard credit check.

Who should look elsewhere

  • Cashspace, whose rate band of PHP 12 to PHP 36 suits readers who want to shop beyond France.
  • Monzo Flex, whose 10% to 23% sits above the fixed 4.2% on offer here.

Where it sits among rivals

Ranked on the amount it lends, Hello bank! sits at 286 out of 685 brands, so the range on offer is wide rather than small ticket. On the rate that matters more for cost, it holds 53 out of 350, a much stronger showing than its position on size.

Who runs it

Hello bank! is a lender based in France, part of BNP Paribas (BNP PARIBAS, SA, RCS Paris 662 042 449), and trading since 2013. It sits under ACPR supervision and is registered with 07 022 735. Support runs on email, chat and phone, so help reaches you by phone, email, chat and a help centre.

How Hello bank! compares

Where Hello bank! is available

Available
France
Licence in France
ACPR (Autorité de Contrôle Prudentiel), checked September 26, 2026
Licence in France
AMF (Autorité des Marchés Financiers), checked September 26, 2026
Licence in France
ORIAS (07 022 735), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a personal loan?+

Personal loans run at a fixed 4.2%, well below the 12% typical across the market. The rate type is fixed and the model is fixed rate, so instalments stay the same for the whole term. The worked example sets out the instalment, the total repaid and the interest charge, with no dossier fee.

What fees do I pay on a personal loan?+

There is no dossier fee: the arrangement charge is 0 EUR - no origination (dossier) fee and 0% of the amount. On the property side the product fee is €1,980, which is a different product and a different market from the personal loan. Early repayment is free, so settling early adds nothing.

How much can I borrow and over what period?+

Personal loans run €1,000 to €75,000 with terms of 4 to 108. That is a wide range, so a small renovation and a larger project can both sit inside one product. The stated use case is home improvement, and the loan type is personal, which narrows what the money is meant for.

How long does it take to get the money?+

Applications need a hard credit check, and the money only moves after acceptance. Funding time is a short processing window: the transfer is made within a set period at the latest, and an earlier date is available when it is asked for. Plan the work around that rather than around a same day promise.

Who can apply for a loan?+

Eligibility is narrow: an adult natural person living in FR who already holds an account with the bank, and has done so for a waiting period. New customers cannot walk in off the street, and non residents sit outside the product entirely. The account tenure is the first thing to check.

Can I repay the loan early?+

Yes. Early repayment is free, so clearing a personal loan ahead of schedule costs nothing in penalty. Terms run 4 to 108, which means the monthly instalment and the total interest are both set at the start, and a shorter plan is easy to work around.

Does Hello bank! offer mortgages as well?+

It does. The property side shows an initial rate of 3.45%, an 4.206% and a fixed period of 20, for purchase, remortgage and first time buyer. A product fee of €1,980 applies there, so the cheap personal loan rate does not carry across.

Who regulates it?+

It is registered with 07 022 735 and falls under ACPR supervision in France, with AMF also listed among its regulators. The lender type is direct lender, so the money is arranged by the brand itself rather than passed on to a third party.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Hello bank!

Existing customers in France who want a low fixed rate on a home improvement loan.

9.2/10See alternatives

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