helloBank!
“Can a global universal bank run a credible digital-native retail brand across Europe without spinning it out?”
Founded2013
HQParis, France
IndustryFintech / Consumer banking
The story
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.
Last 12 months
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Product timeline
2013
Hello bank! launched by BNP Paribas in Belgium and Germany (May), France (June), and Italy (October) as a digital-only mobile bank.· banking
2015
Launched in Austria on 1 August; total customers across 5 markets reached 2.4 million by year-end.· banking
2017
Expanded to Czech Republic via BNP Paribas Personal Finance.· banking
Regulated entities
1
regulatory licence held by helloBank!
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
9 layers disclosed in helloBank!’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Insurance
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Investing
in the full report
Accounting gap: none
11 more providers across 8 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.