Hello bank! Bourse combines a bank account with self-directed securities dealing. The key choice is between Start and Active: a cheaper small-order ticket can be offset by custody fees, while Active’s flat charge can be expensive for a small purchase. The prices below use the October 2026 brochure and distinguish CTO fees from the caps and eligibility rules of a PEA.[1][2][3]
Accounts and eligibility
Sections ↑At a glance01
Account structure
| Item | Details |
|---|---|
| Operating bank | BNP Paribas SA; Hello bank! is its retail brand.Source 4 |
| Cash account | A BNP Paribas/Hello bank! deposit account must remain open alongside the securities account.Source 4 |
| Service agreement | The CIF agreement covers order reception/transmission and custody. Investment advice requires a separate agreement.Source 4 |
At a glance02
Opening and ownership
| Item | Details |
|---|---|
| Application | Complete the financial-profile questionnaire and sign the securities-account convention through the bank.Source 2Source 4 |
| CTO ownership | Individual and joint CTOs are available; the associated joint deposit account implies a joint securities account.Source 2Source 4 |
| CTO contributions | No general minimum or maximum contribution is advertised for the ordinary securities account.Source 2Source 4 |
| Activation | The product page indicates approximately 24 hours before access after the application/signature steps; this is an estimate rather than guaranteed immediate access.Source 2 |
At a glance03
Choose the wrapper
| Item | Details |
|---|---|
| CTO | Holds the broader range of eligible French and foreign securities.Source 1Source 2Source 3 |
| PEA / PEA-PME | Tax wrappers with their own instrument and contribution rules; eligibility is narrower than the CTO.Source 1Source 2Source 3 |
| Pricing plan | Start or Active pricing is selected separately from the account wrapper.Source 1Source 2Source 3 |
Products and markets
Sections ↑At a glance04
Investment range
| Item | Details |
|---|---|
| Listed securities | Shares, bonds, ETFs, ETCs and ETNs, subject to instrument and market availability.Source 1Source 2Source 4 |
| Funds | French, European and eligible foreign collective-investment funds.Source 1Source 2Source 4 |
| Listed leveraged products | Warrants, turbos and certificates have instrument-specific risk and eligibility checks.Source 1Source 2Source 4 |
At a glance05
Contractual trading limits
| Item | Details |
|---|---|
| Short selling | Not permitted under the CIF agreement; a sale requires available holdings.Source 4Source 2 |
| SRD and derivatives contracts | The Hello bank! CIF terms exclude deferred-settlement SRD orders and financial contracts on organised or OTC markets.Source 4Source 2 |
| Crypto exposure | A crypto-linked ETN is a security; it does not give the customer a withdrawable crypto wallet.Source 4Source 2 |
Trading and account costs
Sections ↑Prices in this section are bank charges for the stated route. Taxes, instrument costs and any applicable external-market costs must also be considered. PEA online transaction charges are capped at 0.50% for instruments and venues covered by the statutory cap; this can reduce the displayed CTO flat fee.[1]
At a glance06
Start: online Euronext brokerage
At a glance07
Active: online Euronext brokerage
At a glance08
Foreign online CTO markets: either plan
At a glance09
Custody: Start versus Active
| Item | Details |
|---|---|
| Start: first €50,000 | 0.40% annual rate on this slice.Source 1 |
| Start: next €100,000 | 0.20% annual rate on this slice.Source 1 |
| Start: above €150,000 | 0.10% annual rate on this slice.Source 1 |
| Start: position charges | Bearer lines free; the general schedule lists €8 per foreign-custody or registered line, subject to exemptions and the PEA custody cap.Source 1 |
| Active | Custody charges waived.Source 1 |
At a glance10
PEA and PEA-PME cost ceilings
| Item | Details |
|---|---|
| Listed EU/EEA transactions | For the covered listed-market operations, the brochure caps negotiation fees at 0.50% online or 1.20% through another channel.Source 1 |
| Geographic scope | The stated listed-market ceiling does not extend automatically to venues outside the EU/EEA.Source 1 |
| Custody and management | The combined annual ceiling is 0.40% of the securities value plus €5 per listed line or €25 per unlisted line; this limits the general €8 listed-line charge where applicable.Source 1 |
At a glance11
Custody billing and plan changes
| Item | Details |
|---|---|
| Valuation basis | Start uses the average of the previous year’s 12 month-end valuations; annual billing is in February for the current year.Source 1 |
| Line basis | The fixed charge can apply to a line held at a month-end during the reference year.Source 1 |
| Annual subscription / management | No annual plan subscription or account-management charge is shown for either plan.Source 1 |
| Switching plans | First change in a year free; subsequent changes €120 each.Source 1 |
| Part-year holding | The October brochure says the annual custody charge is retained for any year begun; do not assume a pro-rata refund on closure.Source 1 |
At a glance12
Fund orders
| Item | Details |
|---|---|
| BNP Paribas Asset Management funds | Bank transaction charge 0.50% online or 1.20% through an adviser, excluding fees retained by the fund; money-market funds exempt.Source 1 |
| External funds | Distribution agreement and fund KID determine the applicable entry charges; a €25 subscription supplement can apply.Source 1 |
| PEA restriction | The PEA treatment of the adviser supplement is capped at 1.20% of the order, up to €25.Source 1 |
At a glance13
Other securities services
| Item | Details |
|---|---|
| General unlisted subscription/sale tariff | 0.10%, minimum €150. For a PEA, obtain the applicable wrapper-specific capped quote before the operation.Source 1 |
| Conversion to registered form | €50 per line.Source 1 |
| Foreign dematerialisation | €150 per line.Source 1 |
| Foreign withholding-tax reclaim | €25 per line.Source 1 |
At a glance14
Examples: brokerage only
Platforms, orders and execution
Sections ↑At a glance15
Web and mobile workflows
| Item | Details |
|---|---|
| Order entry | The Bourse app offers guided entry or a quicker experienced-user route.Source 6 |
| Order fields | Account, buy/sell side, security, quantity or value, venue, order type and validity.Source 6 |
| Monitoring | Watchlists, virtual portfolios, news and custom display preferences.Source 6 |
| Corporate actions | The app supports responses to French and foreign corporate actions and a French IPO area.Source 6 |
At a glance16
Order types in the CIF agreement
| Item | Details |
|---|---|
| Market | No price limit; liquidity determines the fill price.Source 4 |
| Limit | Sets a maximum purchase or minimum sale price; execution may be partial or absent.Source 4 |
| Stop / stop-limit | A trigger activates a market order or an order constrained by a second limit.Source 4 |
| Best limit | Converts into a limit order at the relevant best available price.Source 4 |
At a glance17
Size, validity and confirmations
| Item | Details |
|---|---|
| Online maximum | €50,000 per order, subject to sufficient available cash.Source 1Source 4 |
| Validity | Specify the expiry when entering the order. The contract includes a special month-end default for orders transmitted in the last four trading days.Source 1Source 4 |
| Proof of submission | Retain the order number and the saved or printed confirmation.Source 1Source 4 |
| Execution confirmation | The contract allows five working days from dispatch to raise observations about the execution conditions.Source 1Source 4 |
At a glance18
How execution is handled
| Item | Details |
|---|---|
| Transmission | BNP Paribas sends accepted orders to selected executing intermediaries; submission alone does not establish a fill.Source 4 |
| Partial fills | The published fee method uses the average price of fills during the day.Source 4 |
| Instruction limits | A requested venue or other specific instruction can constrain best execution for that aspect of the order.Source 4 |
Cash, currencies and transfers
Sections ↑At a glance19
Cash flows and available funds
| Item | Details |
|---|---|
| Buying | The linked deposit account must contain the required purchase amount and charges.Source 4Source 2Source 3 |
| Selling and income | Sale proceeds and cash income are booked to the linked account; the CTO page describes bank-transfer funding.Source 4Source 2Source 3 |
| PEA cash | Cash held within the PEA follows the wrapper’s own withdrawal and contribution rules.Source 4Source 2Source 3 |
At a glance20
FX on securities purchases and sales
| Item | Details |
|---|---|
| Rate timing | The June 2026 policy converts at booking, with the bank’s applicable margin.Source 5Source 4 |
| Progressive maximum margins | 1.00% on the first €100,000; 0.80% on the next €400,000; 0.60% on the next €500,000; 0.40% on the next €4 million; 0.20% on the next €5 million; 0.10% above €10 million.Source 5Source 4 |
| Different transactions | The same grid is scheduled to extend to funds and corporate actions in November 2026. That extension is not yet in force on 29 October 2026.Source 5Source 4 |
| Currency-account instruction | The CIF agreement requires a prior request for settlement to an existing foreign-currency deposit account.Source 5Source 4 |
| Additional conversion commission | The policy also allows a separate FX commission on a securities purchase or sale; the percentage markup alone is not an all-in conversion quote.Source 5 |
At a glance21
Moving securities to another provider
| Item | Details |
|---|---|
| CTO outbound transfer | €100 plus €15 per securities line.Source 1Source 4 |
| PEA / PEA-PME transfer | €15 per line, capped at €150.Source 1Source 4 |
| Transfer to a BNP Paribas branch | CTO transfer free under the published schedule.Source 1Source 4 |
| Timing | The contract promises a reasonable processing period subject to the customer meeting their obligations, rather than a fixed completion date.Source 1Source 4 |
Legal entity and investor protection
Sections ↑At a glance22
Custody and oversight
| Item | Details |
|---|---|
| Provider | BNP Paribas SA; the CIF terms identify ECB, ACPR and AMF oversight.Source 4 |
| Client securities | The bank maintains records distinguishing client assets from its own and other clients’ assets.Source 4 |
| Use of holdings | Use of client securities requires separate express consent.Source 4 |
| Foreign subcustody | Local law can affect foreign holdings; the contract permits selected subcustodians.Source 4 |
At a glance23
What the protection limits cover
| Item | Details |
|---|---|
| Missing securities | Eligible claims up to €70,000 per investor and institution if the failed provider cannot return the assets; ordinary securities remain the investor’s property.Source 8 |
| Associated cash at a bank | Eligible cash falls within the €100,000 deposit guarantee per depositor and banking institution, aggregated with other eligible bank deposits.Source 8 |
| Investment losses | Neither limit reimburses ordinary market losses or guarantees the issuer of a share, bond or structured product.Source 8 |
At a glance24
Identify the banking counterparty
| Item | Details |
|---|---|
| BNP Paribas / Hello bank! | The account agreement identifies the provider to which the protection rules attach.Source 4Source 8 |
| Aggregation | Separate accounts or pricing plans with the same legal bank do not create a fresh limit for each account.Source 4Source 8 |
Support and complaints
Sections ↑At a glance25
Contact routes
| Item | Details |
|---|---|
| Existing customers | Authenticated customer area or Hello Team on 01 43 63 15 15; the current brochure lists Monday–Friday 08:00–20:00 and Saturday 08:00–18:00, excluding public holidays.Source 7Source 1 |
| Prospective customers | 0800 848 400; Monday–Friday 08:00–20:00, Saturday 08:00–18:00, French local time.Source 7 |
| Accessibility | Sign-language, cued-speech and text-transcription assistance are listed.Source 7 |
| HelloïZ | The site’s assistant answers service questions; its presence does not authorise autonomous investment decisions.Source 7 |
At a glance26
If online dealing is interrupted
| Item | Details |
|---|---|
| Alternative channel | The CIF terms direct customers to the telephone platform to place an order during an internet or mobile interruption.Source 4Source 1 |
| Orders by email are expressly prohibited.Source 4Source 1 | |
| Telephone cost basis | Telephone execution uses its own tariff. Online prices should not be assumed automatically to carry over.Source 4Source 1 |
At a glance27
Complaints and escalation
| Item | Details |
|---|---|
| First stage | Raise the issue with the bank, then its customer-complaints service if necessary.Source 4 |
| Written complaint | The CIF terms provide acknowledgement within 10 working days and a final response within two months for the general complaint route.Source 4 |
| Investment dispute | The AMF mediator is the relevant external route for eligible securities, execution and custody disputes after the bank’s complaint stage.Source 4 |
Research, reporting and additional services
Sections ↑At a glance28
Statements and tax records
| Item | Details |
|---|---|
| Holdings statements | At least quarterly under the CIF agreement.Source 4Source 1 |
| Trade confirmations | Sent within 24 working hours after the bank receives execution details from its intermediary.Source 4Source 1 |
| Annual reporting | Annual securities income/tax information and an aggregate costs statement.Source 4Source 1 |
| Optional Plus-Values service | €75 per year for monthly/annual reporting and tax-return support; free for eligible Panorama members.Source 4Source 1 |
At a glance29
Corporate-action decisions
| Item | Details |
|---|---|
| Notifications | The notice identifies the event, relevant holdings and the response deadline.Source 4 |
| Customer election | Return the instruction or respond online where offered; the bank may set an earlier deadline than the issuer.Source 4 |
| No response | Rights can expire, subject to applicable local or contractual rules.Source 4 |
At a glance30
Information and administration
| Item | Details |
|---|---|
| Research tools | Market news, watchlists and virtual portfolios support the customer’s own decisions.Source 6Source 4 |
| Registered securities | An administration mandate handles income and related administration; it does not confer discretionary portfolio management.Source 6Source 4 |
| Investor profile | The agreement provides appropriateness checks based on knowledge and experience.Source 6Source 4 |
Company and account provider
Sections ↑At a glance31
The company behind the brand
| Item | Details |
|---|---|
| Legal name | BNP Paribas SA.Source 4Source 8 |
| Registered office | 16 boulevard des Italiens, 75009 Paris, France.Source 4Source 8 |
| French registration | RCS Paris 662 042 449.Source 4Source 8 |
| Brand relationship | Hello bank! does not constitute a separately licensed securities firm or a separate compensation limit.Source 4Source 8 |
- Headquarters
- France
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
BNP Paribas SA
FranceSource 4
No separate licence entry is recorded in this panel.
Practical account considerations
Sections ↑At a glance32
Current brokerage-refund offer
| Item | Details |
|---|---|
| Opening window | 5 October–4 November 2026, subject to the offer remaining available.Source 2 |
| Benefit | Eligible brokerage charges during the first three months are reimbursed, up to €100 per qualifying new CIF or PEA.Source 2 |
| Payment | The reimbursement is credited to the current account within six months; the account must remain open.Source 2 |
At a glance33
Refund exclusions and scope
| Item | Details |
|---|---|
| Qualifying trades | Online Euronext Paris, Amsterdam or Brussels orders below €50,000.Source 2 |
| Excluded costs | Telephone dealing, financial-transaction taxes and fund charges are excluded.Source 2 |
| PEA transfer | An incoming PEA transfer is excluded from this new-opening offer.Source 2 |
| Nature of benefit | A fee refund depends on eligible charges incurred; it is not an upfront cash credit.Source 2 |
| Customer eligibility | Adult retail customers with a Hello bank! deposit account, subject to acceptance; the bank can close the offer early.Source 2 |
At a glance34
Closing or changing the relationship
| Item | Details |
|---|---|
| Before closing the CTO | Sell or transfer the holdings and give the bank the necessary instructions.Source 4 |
| Linked account | Closing the deposit account also closes the associated securities account; closing only the CTO does not automatically close the deposit account.Source 4 |
| Remote cooling-off period | 14 calendar days under the contract; exercising it does not reverse market transactions already placed.Source 4 |
| Dormancy | Statutory inactivity can eventually lead to asset liquidation and transfer to the Caisse des Dépôts. It is separate from normal Start custody billing.Source 4 |
Sources & further reading
- Hello bank! — conditions and prices effective 1 October 2026 BNP Paribas / Hello bank! · Accessed 29 Oct 2026
- Hello bank! — ordinary securities account, opening and current fee-refund offer Hello bank! Bourse · Accessed 29 Oct 2026
- Hello bank! — PEA account and eligible investment wrapper Hello bank! Bourse · Accessed 27 Oct 2026
- Hello bank! — securities account general conditions, January 2024 BNP Paribas / Hello bank! · Accessed 27 Oct 2026
- BNP Paribas — conversion margins policy dated 22 June 2026 BNP Paribas · Accessed 29 Oct 2026
- Hello bank! — dedicated Bourse mobile application Hello bank! Bourse · Accessed 27 Oct 2026
- Hello bank! — contact channels and service hours Hello bank! Bourse · Accessed 27 Oct 2026
- FGDR — securities guarantee and cash associated with an investment account Fonds de Garantie des Dépôts et de Résolution · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.