“Can a global universal bank run a credible digital-native retail brand across Europe without spinning it out?”
Hello bank! is BNP Paribas's pan-European digital direct bank, launched in 2013 as what BNP Paribas claimed to be Europe's first 100% digital mobile bank. It operates as a brand of BNP Paribas Group entities (BNP Paribas Fortis in Belgium, Consorsbank in Germany, BNP Paribas Personal Finance in Czech Republic). It is not a standalone fintech but a distribution channel for BNP Paribas retail banking products under a digital-first brand.
helloBank! discloses BNP Paribas Fortis SA/NV (in-house) as its banking provider, according to the Embedded Finance Index 2026.
helloBank! does not disclose a bank charter of its own; its banking services are provided through BNP Paribas Fortis SA/NV (in-house).
helloBank! processes payments through BNP Paribas (in-house).
helloBank!'s cards are issued through BNP Paribas (in-house) on the Visa network.
helloBank!'s lending and capital products are provided by BNP Paribas Personal Finance (in-house).
helloBank! connects to bank accounts through BNP Paribas BCEF Developer Hub (in-house PSD2 APIs).
helloBank!'s embedded insurance is provided by BNP Paribas Cardif (in-house, likely).
helloBank!'s investing and wealth products are powered by BNP Paribas (in-house).
The Embedded Finance Index 2026 maps 9 layers in helloBank!'s stack: Payments / PSP (BNP Paribas (in-house)); Banking / BaaS (BNP Paribas Fortis SA/NV (in-house)); Card issuing (BNP Paribas (in-house)); Card network (Visa); Lending (BNP Paribas Personal Finance (in-house), Prêt Personnel (personal loan), Mortgages and Credit cards); Insurance (BNP Paribas Cardif (in-house, likely)); Open banking (BNP Paribas BCEF Developer Hub (in-house PSD2 APIs)); Sponsor bank (BNP Paribas Fortis SA/NV (in-house)); Investing (BNP Paribas (in-house)).
helloBank! is founded in 2013 and headquartered in Paris, France.
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