Today, it is important to choose your bank card carefully when you travel regularly in Europe and around the world. In particular, it is important to ensure that withdrawals and payments abroad do not incur any charges. In addition, some bank cards offer travel guarantees that should be carefully considered before subscribing. If online banks are very popular these days, it is partly because of the convenience of the dematerialised procedures that can be carried out from a computer or smartphone, but also because they offer several bank cards, adapted to specific profiles, including that of travellers. For those looking for the ideal bank card to travel the world, here are the different options offered by Hello bank!
Which card to choose for individual accounts?
For individual accounts, i.e. for people who want to use the money in their current account to make withdrawals and payments with their bank card when they travel, Hello bank! offers two options: Hello One and Hello Prime.
The Hello One Visa card is free and there are no income requirements. The limits are €1,000 over 30 days for payments and €400 over 7 days for withdrawals. While this card allows you to make purchases and withdrawals abroad free of charge, each withdrawal from ATMs of BNP Paribas partner banks costs €1. The Hello One Visa card is also better suited to students and people with irregular incomes.
Those who wish to travel abroad with greater peace of mind with their bank card are better off with the Hello Prime offer. The Hello Prime Visa card also allows free payments and withdrawals throughout the world, but the Global Alliance and BNP Paribas Global Network schemes allow you to benefit from the vast BNP Paribas network for free withdrawals from ATMs abroad. Payment and withdrawal limits are higher than for the Hello One offer and depend on income (€1,200 to €2,500 over 30 days for payments and €500 to €1,000 over 7 days for withdrawals). The Hello Prime Visa card also includes the deferred debit system, where payments are debited in a single block at the end of the month. This is useful when you make a lot of payments during your holidays and are waiting for the money to come in. Another interesting aspect of the Hello Prime card for travellers is that it offers interesting travel guarantees such as reimbursement in the event of plane or train delays, cancellation, interruption or modification of a trip, incidents with a rental car as well as medical problems. To benefit from the advantages of the Hello Prime Visa card for travel, the conditions are to be of age, to reside in France and to have a minimum monthly salary of €1,000. The cost of the card is €5 per month. Finally, and this is another valuable asset of the Hello Prime package for travellers, the offer includes the provision of a virtual card, which they can use to make contactless payments that gives access to the CB and Visa payment networks, and allows both remote purchases and mobile payments via Apple Pay or Paylib.
Which card should I choose for a joint account?
Many couples choose toopen a joint account, in order to pool resources and share joint expenses equally. It also saves on bank charges, with one account instead of two. At Hello bank!, couples who want to open a joint account and benefit from an attractive bank card for travel can choose from several models depending on their profile and needs. Note that each member of the couple has their own bank card.
The Visa Classic card is one of the two cards offered. It is completely free and the limits for payments and withdrawals are customizable. Withdrawals are free of charge in the euro zone and in BNP Paribas' partner banks in some fifty countries.
Couples with higher incomes who want to travel with peace of mind with their bank card can choose the Visa Premier. The card is completely free and a total income of €1,800 must be justified. The advantage of this card for stays abroad is that the payment and withdrawal limits are much higher (€3,000 over 30 days for payments and €1,000 over 7 days for withdrawals). You should also take a look at the insurance and assistance guarantees with, among others, civil liability coverage abroad, plane and SNCF train delay coverage, luggage theft/loss/damage coverage, trip cancellation or modification coverage, as well as medical and travel assistance. The Visa Premier card also offers advantages and discounts in certain shops, cultural venues and on travel offers.
