What is the official website of the payment service?
The official website of Hello bank! Italy is https://hellobank.it/it/home
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Where can I find the customer support contacts?
Customer support contacts can be found on the "Contatti" (Contacts) page of the official Hello bank! Italy website.
What is the hotline phone number?
The main customer service phone number for Hello bank! Italy is +39 06 8882 9999.
Is there a toll-free support number?
Yes, there is a toll-free number available for non-clients at 0 800 848 400.
What is the email address for technical support?
The general customer support email is [email protected].
Are there separate emails for different types of inquiries?
Specialized contacts include a PEC email for formal communications [email protected] and an insurance claims-specific email address indicated on the site.
Where can I find the online chat support?
Online chat support is available through the website's chat function and also via the chatbot "Helloïz" on the app.
Does the chat support work 24/7?
The chatbot "Helloïz" works 24/7 to answer routine questions, while human expert support is available during extended hours.
Is there support through messengers (Telegram, WhatsApp)?
Support through social media messengers like Messenger and Twitter is available via Helloïz chatbot integration.
What are the support working hours?
Customer support is available Monday to Saturday from 8:00 to 22:00.
Does support work on weekends and holidays?
Support works on Saturdays within the stated hours; holiday coverage is not explicitly detailed but likely limited.
Are there regional offices for in-person visits?
Yes, physical offices exist integrated within BNL branches for in-person visits.
Where are the physical offices located?
The primary offices in Italy include BNL headquarters at Viale Altiero Spinelli 30, 00157 Rome, and key offices in Milan.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting customer service, particularly for complex advisory or banking needs.
Are there representatives in different countries?
Hello bank! operates under BNP Paribas with offices and representatives in Italy, France, Belgium, Germany, and other European countries.
In which languages is support available?
Support is available primarily in Italian, with other languages likely for international calls under BNP Paribas.
How quickly does support respond to requests?
Typical response times vary by channel; chatbots respond instantly, email within 24-48 hours, phone support immediately during hours.
Is there a priority system for VIP clients?
VIP and premium clients receive priority handling and dedicated support services.
Can I request a callback?
Callback services are generally available upon request via phone or within the app support interface.
When was the payment service founded?
Hello bank! was launched in Italy on October 28, 2013.
Who is the founder and owner of the service?
Hello bank! is owned and operated by BNP Paribas Group, supported locally by BNL Gruppo BNP Paribas.
In which country is the company registered?
The company is registered and operates in Italy under BNL Gruppo BNP Paribas.
What is the development history of the payment service?
Launched in 2013, Hello bank! Italy built on BNL's long banking experience with focus on digital and mobile banking innovations.
Have there been major updates or rebranding?
Hello bank! periodically updates its product offerings and app design; major rebranding aligns with BNP Paribas's digital strategies.
Who sits on the company's board of directors?
The board consists of BNP Paribas Group executives and local BNL leadership overseeing Hello bank! operations.
Are there investors or partners in the service?
BNP Paribas is the primary owner; strategic partnerships include technology providers and payment networks supporting the platform.
Does the company participate in stock trading?
BNP Paribas, the parent company, is publicly traded and listed on Euronext Paris.
What is the company's market capitalization?
BNP Paribas's market capitalization fluctuates around tens of billions of euros, reflective of its large banking group status.
Are there subsidiary companies or branches?
Hello bank! functions as a brand under BNP Paribas and BNL, with integration into their regional offices and subsidiaries.
What licenses does the payment service have?
Hello bank! operates with full banking licenses granted to BNL under European and Italian regulations.
In which jurisdictions does the service operate officially?
Officially operates in Italy, France, Belgium, Germany under BNP Paribas and its subsidiaries.
Are there licenses for cryptocurrency operations?
No verified information indicates specific cryptocurrency operation licenses currently held.
Does the service comply with AML/KYC requirements?
Yes, Hello bank! complies fully with AML (Anti-Money Laundering) and KYC (Know Your Customer) regulatory requirements.
Are there security certificates (PCI DSS, etc.)?
The service holds security certifications including PCI DSS compliance for payment card data protection.
Has the service undergone security audits?
Regular security audits are conducted as per banking regulatory standards and BNP Paribas group policies.
Is there insurance for client funds?
Client deposits are insured according to Italian and EU banking deposit insurance schemes.
Which international standards does it comply with?
Compliance includes GDPR for data protection, PSD2 for payment services, and Basel III prudential standards.
Have there been any regulatory fines or violations?
There are no public records of major regulatory fines or violations related to Hello bank! Italy.
Where can I find real reviews about the service?
Real reviews are available on Google Play Store, Apple App Store, Trustpilot, and financial comparison sites.
What are the main user complaints?
Common complaints include occasional app bugs, limited product range compared to traditional banks, and customer service wait times.
What do users most often praise the service for?
Users praise ease of use, competitive fees, mobile app functionality, and efficient digital banking experience.
Are there issues with fund withdrawals?
Limited user reports of withdrawal delays; generally, withdrawals are processed reliably and promptly.
Is the interface convenient according to users?
The user interface is highly rated for clarity, intuitiveness, and mobile-first design.
Are clients satisfied with transaction speed?
Transaction speeds are considered fast, particularly for internal transfers and card payments.
Do users recommend this service?
Majority of users recommend Hello bank! for digital banking in Italy, especially among younger demographics.
How do experts assess the service's reliability?
Experts view Hello bank! as a reliable digital banking service benefiting from BNP Paribas's established infrastructure.
Are there industry awards and recognitions?
Hello bank! has received awards for innovation in digital banking and customer experience in Europe.
Does the service participate in payment system rankings?
It features in European digital bank rankings and comparisons within the mobile banking sector.
Are there recommendations from financial regulators?
No specific endorsements publicly disclosed, but full regulatory compliance is maintained.
What reputation does the service have among partners?
Partners regard Hello bank! as a professional and trustworthy payment and banking solution.
How do they evaluate solution innovation?
The bank is recognized for innovation in mobile banking experience and digital customer service tools.
Are there quality service certificates?
Holds certifications for quality management and IT service standards as part of BNP Paribas group policies.
Does the company participate in industry conferences?
Yes, BNP Paribas and Hello bank! representatives participate in fintech and banking industry events.
How does the service position itself in the market?
Positioned as a mobile-first, user-friendly digital bank targeting tech-savvy and convenience-seeking customers.
Which fiat currencies does the service support?
Supports primarily the Euro (EUR) as operating within the Eurozone financial system.
Are cryptocurrencies supported? Which ones specifically?
No official support for cryptocurrencies for payments or wallets is indicated.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists within Hello bank!.
Can currencies be converted within the service?
Currency conversion services are not a primary feature; focus remains on Euro-denominated accounts.
What exchange rates are used for conversion?
In case of currency conversion, rates align with those published by BNP Paribas and market standards.
How often are exchange rates updated?
Exchange rates, if applicable, are updated in real-time or daily during market hours.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic currency handling is not standard due to focus on Eurozone customers.
Are there currency restrictions in different countries?
Operates within EU currency regulations, no exotic currency dealings.
What types of transfers does the service support?
Supports SEPA transfers, internal transfers, card payments, and deposits.
Can transfers be made between service users?
Yes, peer-to-peer transfers within Hello bank! platform are supported.
Are transfers to bank cards supported?
Transfers to bank cards are supported according to banking rules.
Can money be transferred to bank accounts?
Bank account transfers including SEPA are supported.
Is bill payment available?
Bill payment services including CBILL for utility payments are available.
Are recurring payments supported?
Recurring payment setups via SEPA Direct Debit are supported.
Can automatic transfers be set up?
Automatic transfers can be configured through online banking features.
Is payment scheduling available?
Payment scheduling features are provided in the banking app.
Are group payments supported?
Specific group payment or payment splitting features are not prominently stated.
Can payment links be created?
Payment link generation is not clearly indicated as a service feature.
What are the minimum transaction amounts in the service?
Minimum amounts depend on the payment type, generally low or negligible for digital transfers.
What are the maximum amounts that can be transferred?
Maximum transaction limits align with regulatory and account type restrictions.
Are there daily limits on operations?
Daily transaction limits comply with AML and bank policies, variable by verification level.
What monthly and annual limits are in effect?
Monthly and annual limits exist per account terms and AML regulations.
Can limits be increased? How?
Limits can be increased by providing additional verification and contacting customer support.
Do limits differ for verified users?
Verified users enjoy higher transaction limits and fewer restrictions compared to unverified users.
Are there restrictions for new accounts?
New accounts have initial limits and verification requirements before full functionality.
Do special limits apply in different countries?
Limits are standardized within the EU but may vary slightly by local regulation.
Can operations be temporarily blocked?
Account operations can be temporarily blocked for security or compliance reasons.
Are there limits on the number of daily operations?
Limits on daily operation counts exist to prevent fraud and abuse.
What are the minimum amounts for account funding?
Minimum deposit amounts are low, aiming to facilitate easy account opening.
What methods of funding are supported?
Supports bank transfers, card payments, and digital wallet funding where applicable.
Are there fees for funding?
Funding fees are generally low or waived for standard methods.
What are the minimum funding amounts?
Minimum funding amounts depend on method; bank transfers typically have no minimum.
How quickly are funds credited when funding?
Funding via bank transfer may take 1-2 business days; card funding is usually instant.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, bank transfers, and card payments.
Are there fees for fund withdrawal?
Withdrawal fees depend on type; some ATM or cross-border withdrawals may incur charges.
How long does withdrawal take?
Withdrawals often process within 1-2 business days depending on method.
What withdrawal limits are set?
Withdrawal limits are set per account type and regulatory requirements.
How quickly are funds credited when funding with a card?
Card funding is typically credited instantly.
How long does a bank transfer take?
Bank transfers generally take 1-2 business days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal transfers between Hello bank! users are instant or near-instant.
Are there delays when funding on weekends?
Weekend funding processing may be delayed until next business day.
Do holidays affect funding speed?
Holidays can delay funding and withdrawal processing times.
Can crediting be accelerated for a fee?
Express processing may be available for fees in some cases.
What determines the speed of funding processing?
Speed depends on funding method, bank processing times, and regulatory checks.
Are there notifications about funding status?
Users receive notifications via app or email regarding funding status.
What to do if funding takes too long?
Contact customer support to investigate delayed funding transactions.
How quickly are withdrawal requests processed?
Withdrawal requests are processed typically within 1 business day.
How long does card withdrawal take?
Card withdrawals at ATMs are immediate; settlement in the account depends on banking networks.
How quickly do bank transfers arrive?
Bank transfers usually arrive in 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable, cryptocurrency withdrawals not supported.
Are there withdrawal delays on weekends?
Weekend withdrawals may be delayed to next business day.
Do holidays affect withdrawal speed?
Withdrawal speeds are affected by banking holidays.
Can withdrawal be accelerated for an additional fee?
Express withdrawal options may be available for fees.
What determines withdrawal processing time?
Processing depends on banking partners, transaction type, and verification requirements.
Are there notifications about withdrawal status?
Withdrawal status notifications are sent via email or app alerts.
Can a withdrawal request be canceled?
Withdrawal cancellation depends on processing stage; early cancellations may be possible via support.
How to register with the payment service?
Registration is done online via the website or mobile app, requiring identity documents and personal info.
What data is needed to create an account?
Personal identification, contact details, tax info, and proof of residence are required.
Can registration be done without email?
Email is typically required for registration and communication.
Is phone confirmation required during registration?
Phone number confirmation is standard for account validation.
Are there age restrictions for registration?
Minimum age is generally 18 years to open an account.
Can a corporate account be created?
Corporate accounts are available through specific application processes.
Is it required to provide real data?
Real personal data and verifiable documents are mandatory for compliance.
Are there country restrictions for registration?
Account registration is restricted to Italian residents or EU nationals under local law.
How long does account activation take?
Account activation typically occurs within a few days of document verification.
What verification levels exist?
Multiple levels including basic and enhanced verification with increasing document requirements.
What documents are required for basic verification?
Identity card or passport and proof of address are required for basic verification.
Are documents needed for full verification?
Full verification may require additional documents such as income proof or tax certificates.
Are digital copies of documents accepted?
Digital document uploads are accepted for verification purposes.
How long does the verification procedure take?
Verification usually completes within 1-3 business days.
Can the service be used without verification?
Limited service is available without verification; full features require verified status.
What restrictions apply to unverified users?
Unverified users face limits on transaction sizes and access to some services.
Is address confirmation required?
Yes, address confirmation is mandatory with proof such as utility bills.
Is a selfie with documents required?
A selfie with ID is required for some enhanced verification levels for identity proof.
How often do documents need to be updated?
Documents may need to be updated every 2-3 years or upon request by the bank.
What encryption technologies does the service use?
Uses TLS/SSL encryption standards to secure data in transit.
Is two-factor authentication supported?
Two-factor authentication (2FA) is supported and encouraged for account security.
Are there SMS confirmations for operations?
SMS verification codes are used for sensitive transactions.
Is biometric authentication supported?
Biometric authentication like fingerprint or Face ID is supported in the mobile app.
Is blockchain technology used?
No official indication of blockchain technology in service operations.
Is there a multi-level security system?
Yes, multi-layered security includes encryption, authentication, fraud detection, and monitoring.
How is user personal data protected?
Personal data is protected under GDPR and strict internal security controls.
Is cold storage used for cryptocurrencies?
Not applicable, as cryptocurrency services are not provided.
Is there DDoS attack protection?
Network and application layers are protected against DDoS attacks via BNP Paribas infrastructural defenses.
Are regular security audits conducted?
Yes, periodic security audits and penetration tests are conducted.
What anti-phishing protection measures are provided?
Anti-phishing education, secure login, and monitoring tools are implemented.
Is there a suspicious activity detection system?
Transaction monitoring systems detect suspicious or anomalous activities.
How does the service combat money laundering?
AML procedures include customer due diligence, transaction monitoring, and reporting suspicious activity.
Is there blocking of suspicious accounts?
Accounts flagged for suspicious activity are blocked pending investigation.
What to do when fraud is detected?
Report to customer support immediately; the bank initiates fraud investigation and mitigation.
How to report suspicious activity?
Reports can be made via phone, email, or through the app's secure messaging.
Is there compensation for damage from fraudsters?
The bank provides fraud protection policies covering unauthorized transactions as per regulation.
What user rights exist for disputed transactions?
Users can dispute transactions; regulated processes ensure fair resolution and reimbursements.
How to dispute account blocking?
Customer service handles disputes with investigation and resolution procedures for blocked accounts.
Is there insurance against cyber attacks?
BNP Paribas has cyber insurance policies covering digital banking risks.
What fees does the service charge for transfers?
Fees vary by transfer type; SEPA transfers are often free, others may incur small fees.
Are there fees for account funding?
Account funding fees are generally waived or minimal for standard transfer methods.
Are fees charged for fund withdrawal?
Withdrawal fees apply depending on method, with fees for some ATM or foreign withdrawals.
Are there fees for currency conversion?
Currency exchange fees apply based on market rates and BNP Paribas tariff schedules.
Are there fees for account inactivity?
Inactivity fees are possible but typically waived for active digital accounts.
Are there account maintenance fees?
Hello bank! offers fee-free current accounts under certain conditions.
Are fees charged for operation cancellation?
Fees for cancelling operations are rare but may apply in specific cases.
Are there fees for expedited operations?
Expedited service fees may be charged for express payments or transfers.
Are there hidden fees?
Fees and tariffs are disclosed transparently in the terms and conditions.
How are fees calculated for large amounts?
Large transaction fees are proportional or negotiated depending on account type.
Are there different tariff plans in the service?
Hello bank! offers tiered or customizable pricing plans based on customer profile.
What advantages does VIP status provide?
VIP clients enjoy dedicated service, priority support, and personalized financial products.
How to get preferential conditions?
Preferential conditions are obtained through account upgrades or asset thresholds.
Are there free operations per month?
Free transaction allowances are provided based on account types and plans.
Are there discounts for active users?
Discounts may be offered for frequent usage or product bundling.
Are there corporate tariffs?
Corporate accounts have separate tariff plans and pricing.
Can individual conditions be obtained?
Customized terms and pricing can be negotiated for high-value clients.
Do promotional codes work for fee reduction?
Occasional promotional codes may be used for fee discounts.
Are there cashback programs?
Cashback offers exist on select cards and promotions.
Are there discounts for transaction volumes?
Volume-based discounts may be available for business clients.
Is there an official mobile application?
Yes, there is an official Hello bank! mobile app for customers.
On which platforms is the application available?
The mobile app is available on iOS and Android platforms.
What functions are available in the mobile application?
Functions include account management, payments, transfers, card control, notifications, and budgeting tools.
Does functionality differ from the web version?
The mobile app offers full core banking functions, sometimes with enhanced usability features.
Is Touch ID/Face ID supported?
The app supports biometric authentication such as Touch ID and Face ID.
Can the application work offline?
Offline functionality is limited; internet is required for transactions and updates.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
Dark mode is available in the mobile application.
How often is the mobile application updated?
The app is updated regularly, with new releases several times per year.
Are there beta versions of the application?
Beta versions or early access programs may be available for testing new features.
Is the web interface of the service convenient?
The web interface is user-friendly, responsive, and designed for easy navigation.
Is responsive design supported?
The website supports responsive design for mobile and desktop access.
In which languages is the interface available?
The interface is available in Italian, with possible multilingual options for other markets.
Is there a night mode for the website?
Night mode availability on the website is limited or not standard.
Are hotkeys supported?
Keyboard shortcuts are generally not emphasized.
Can data be exported?
Users can export account statements and transaction histories.
Is there an API for developers?
No public API available for developers externally.
Is integration with other services supported?
Integration with payment and financial services via standard industry protocols is supported.
How often is the web interface updated?
The web platform is updated regularly in line with app and service improvements.
Are there virtual cards in the service?
Virtual prepaid cards are offered to customers.
Can disposable cards be created?
Disposable or temporary virtual cards are available for secure online payments.
Is multi-currency account functionality supported?
Multi-currency accounts are generally not promoted for this Italy-based service.
Are there investment products?
Investment options including funds and savings products are accessible digitally.
Can interest be earned on balance?
Interest is paid on some current and savings accounts.
Are there credit products?
Credit products such as personal loans and mortgages are offered.
Is P2P trading supported?
Peer-to-peer trading of securities or cryptocurrencies is not supported.
Can cryptocurrencies be bought/sold?
Cryptocurrency purchase and sale services are not offered.
Is there acquiring for business?
Merchant acquiring services are available through BNP Paribas channels.
Are mass payouts supported?
Bulk payment capabilities are supported for business clients.
Is there a loyalty program in the service?
Loyalty programs are limited; occasional promotions and rewards exist.
How are bonus points earned?
Bonus points programs are not widely promoted.
Is there cashback for operations?
Cashback exists on select prepaid cards and promotional periods.
Are there referral programs?
Referral incentives exist occasionally for new customer acquisition.
What privileges do VIP clients have?
VIP clients receive personalized advisory and enhanced banking privileges.
Are there seasonal promotions and offers?
Seasonal promotional campaigns run periodically.
Can premium status be obtained?
Premium account upgrades are available.
Are there partner discounts?
Partner discounts are sometimes offered on financial products.
Are there corporate loyalty programs?
Corporate loyalty programs exist for business clients.
Does the service allow operations with online casinos?
There is no specific ban on online casino transactions, but gambling transactions are monitored.
Are there restrictions on gambling transactions?
Gambling-related transactions may have specific transaction limits and monitoring as per regulatory requirements.
Can accounts be blocked for casino play?
Accounts may be blocked if illegal or suspicious gambling activities occur.
How does the service view gambling?
Gambling transactions are treated cautiously with compliance to law and risk management policies.
Are there special conditions for gambling?
Special terms may apply in line with local regulation for gambling payments.
Are casino transactions tracked?
Gambling transactions are subject to anti-fraud and AML monitoring.
Can operations with gambling sites be hidden?
There is no indication that gambling transactions are hidden.
Are there notifications about gambling expenses?
Notifications do not specifically track gambling expenses separately.
Are there special fees for gambling operations?
Gambling transactions fees follow normal card or transfer fee policies.
Can limits be set on gambling?
Limits on gambling-related payment amounts may be set by customers or the bank.
Is there a self-exclusion function?
Self-exclusion for gambling from accounts is not specifically highlighted.
Can access to gambling sites be restricted?
No explicit site blocking features noted for gambling.
Is gambling expense control supported?
Expense control is possible through general budgeting tools.
Are there notifications about limit exceedance?
Alerts exist for general spending but not specific to gambling limits.
Can operations with casinos be blocked?
The bank can block suspicious casino transactions under AML rules.
Is there gambling expense statistics?
No dedicated gambling analytics are provided.
Is a "cooling-off period" supported?
No specific cooling-off period services for gambling.
Can help be obtained for gambling addiction?
Help resources for gambling addiction are not prominently provided.
Is there partnership with player assistance organizations?
No public partnerships noted.
How to set up gambling expense notifications?
General transaction alert settings can be adjusted but gambling-specific ones are not standard.
Which online casinos accept this payment method?
Specific casino acceptance lists are not published.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships with casinos are disclosed.
Do conditions differ when used in different casinos?
No public information on varying terms by casino.
Are there special bonuses for using this method in casinos?
No casino-specific payment bonuses are advertised.
Can the method be used for both deposits and withdrawals in casinos?
Deposits are supported; no clear info on withdrawal support.
Are there geographic restrictions for casino usage?
Geographic restrictions follow general payment method rules.
How do casino operators typically process transactions from this method?
Casino operators process payments via card or bank transfer channels.
Are there typical processing times when used with casinos?
Processing times align with card or bank transfer norms, often instantaneous to a few days.
Do casinos usually charge additional fees for this method?
Casino fees depend on individual casino policies, not the payment service.
Are there any known compatibility issues with major casino platforms?
No significant compatibility issues are publicly reported.