Personal Finance Money transfer

International transfers with Hello bank from France: rates and fees

Soufiane Baba

23.09.25

Read time 2 minutes

Sending money abroad with Hello bank is possible and relatively straightforward. However, as with most banks, international transfers can involve intermediaries and may lead to additional costs. So what are the fees for an international transfer with Hello bank? How does the process work? And what alternative options are available for expats in France who want a simpler or more cost-effective solution?

If you need to send money abroad without paying high fees, you might consider a Wise account. Wise lets you transfer money to 140+ countries using the mid-market exchange rate — with no hidden fees.

Discover the Wise account

Hello bank vs Wise: comparison of transfer fees

Here’s an example of fees for sending €1,000 to a USD account:

Provider	Commission	Exchange rate	Total cost
Hello bank¹	0.50% of amount if < €75,000 (min. €18) + extra fees depending on options	Includes Hello bank’s exchange margin	Min. €18 + options + exchange margin
Wise	0.62%	Mid-market exchange rate (no markup)	€6.21

Figures are based on Hello bank’s 2025 fee schedule¹ and Wise’s calculator (checked May 12, 2025).

How to make an international transfer with Hello bank

You can transfer money abroad either online from your Hello bank account or by phone with an advisor.

Online transfer

Log in with your username and password.
Go to “Make a transfer.” Note: the international transfer option must be activated beforehand via your security key (SMS/email).
Add the recipient with full details (IBAN, BIC/SWIFT).
Choose transfer type: one-off or recurring.

Transfer by phone

You can also call a Hello bank advisor, who will process the transfer securely. You’ll need to provide the same information (recipient’s IBAN, BIC, amount, and currency).

Information required

To send money:

Recipient’s IBAN or BBAN (up to 34 digits)
BIC/SWIFT code
Recipient’s full name and address
Currency, amount, and deadline

To receive money into Hello bank:

Your IBAN or BBAN
Your bank’s BIC/SWIFT
Account holder details

Processing times

SEPA transfers: up to 1 business day²
Non-SEPA transfers: several days depending on country and intermediary banks

Transfer limits

Hello bank does not publish clear limits for international transfers. Contact an advisor for details.

Hello bank international transfer fees

Outgoing SEPA transfers

Channel	Cost
Online	Free
Via advisor	€5¹

Incoming transfers

SEPA in EUR: free
Non-EUR transfers: €11¹

Additional commission:

Amount	Fees
Up to €75,000	0.50% (min. €18)
Above €75,000	0.25%

Non-SEPA transfers

For transfers outside SEPA, Hello bank applies:

Commission: €20.50¹ (SHA option)
Plus an exchange rate margin
Possible correspondent bank fees

Urgent transfers abroad: + €7¹ (only possible by phone with an advisor).

Transfers to BNP Paribas subsidiaries may benefit from preferential conditions — check with Hello bank.

A simpler alternative for expats in France

Hello bank, as BNP Paribas’ online branch, is a popular option in France. Like with many traditional banks, however, international transfers may involve higher costs and added complexity.

For expats looking for a more transparent solution, Wise could be an alternative, offering:

Transfers to 140+ countries worldwide
Mid-market exchange rate (no markup)
No account maintenance fees
Ability to hold and convert 40+ currencies
Local account details in 8+ currencies to receive payments as if you had a local account

Open your Wise account

Sources:
1 – Hello bank pricing brochure
2 – Hello bank transfer times

Last verified on May 12, 2025

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.