How to apply for the Hello! Card: simple instructions for customers

This article explains how to get the Hello! Card from Hello bank! in Italy. The Hello bank card is a Mastercard issued by Banca Nazionale del Lavoro (BNL) at the cardholder’s request.

The Hello! Card is ideal for shopping in stores, shopping online and withdrawing cash. It offers flexibility and modern payment tools. It is perfect for everyday spending and future travel and purchases.

We also remind you to consult the official documents on the Hello bank! website. You will find information sheets, agreements and guides to credit card transparency. These resources help you understand costs, limits and terms before applying for the card online.

The article will guide you step by step, from checking the requirements and applying online to managing the card once you receive it. We will explain what to do if your card is lost or you experience fraud.

Introducing the Hello! Card: what the credit card offers, Hello bank!, Hello! Card

The Hello! Card is a credit card issued by BNL for Hello bank!. It is perfect for shopping, withdrawing cash and paying everyday expenses. It is valid for three years and renews automatically.

The card is easy to use and transparent. The limits are clearly set out in the Summary Document and the agreement.

With Hello bank, you can get additional cards for your family members. The primary cardholder is responsible for spending on linked cards. Hello bank!’s convenience is evident in its digital features and the ability to manage transactions through the app.

Key features

The Hello bank credit card is a Mastercard. It has standard features for payments in Italy and abroad. The limits are set by the bank and explained in the information sheets.

Features include automatic renewal and the option to get additional cards. The cash withdrawal terms are clear. Contractual information is available at hellobank.it.

Security technologies: chip & PIN, OTP and contactless

The Hello bank card has chip and PIN for greater security. An OTP code is required for online payments. Protocols such as Mastercard ID Check or Visa Secure are used.

Contactless allows quick payments. For some transactions, the retailer may ask for a PIN or signature. SMS Alert can be activated to receive notifications for every transaction.

Wallet compatibility

The Hello bank card works with Apple Pay, Samsung Pay and Garmin Pay. This makes payments with smartphones and smartwatches more secure.

On Android, the card is digitised through the Hello bank! app. It offers control and security for contactless and digital purchases.

Rewards programmes: PAYBACK participation and earning points

Hello bank! is part of the PAYBACK programme. With the Hello! Card, you earn 1 PAYBACK point for every 4 euros spent. Points can be converted into discounts and rewards under the programme’s rules.

To join and find out how to earn points, visit the official website. Those looking for credit card benefits will find added value in collecting points.

Who can apply for the Hello! Card and what are the requirements?

To get the Hello! Card, you need to meet certain criteria. These include age, the capacity to enter into contracts and compliance with anti-money laundering laws. The bank reviews your documents and income to assess your application.

Personal and tax requirements for customers resident in Italy

Applicants must live in Italy and be old enough to enter into banking contracts. The account must be in the applicant’s name. The bank checks identity and residence in accordance with the law.

Tax status is also checked, along with whether personal details match. The bank carries out anti-money laundering checks and verifies that the information is consistent.

Documents needed to apply (identification, tax identification number, proof of income)

To apply for a credit card, you need valid identification, your tax identification number and proof of residence. An active telephone number and email address are also required.

To demonstrate that you can repay the debt, you must attach proof of income. This could be a payslip, a tax return or professional documents. The IBAN of the account to be debited may be requested to complete the application.

Restrictions and exclusions (residents abroad, US Person)

Not everyone can access Hello! Money and Hello! Card. Those who live abroad or are a US Person are not eligible. The bank may decide to exclude certain categories based on its policy.

The cardholder is responsible for keeping the card and PIN safe. Exclusions or special conditions are communicated during the application assessment.

Criterion	Requirement	Required documents
Residence	Resident in Italy	Identification document, residence certificate or utility bill
Age	Legal age or capacity to enter into contracts	Identification document
Tax identification	Valid tax identification number	Tax identification number or health card
Proof of income	Income appropriate to the credit limits	Payslips, tax return, business activity certificate
Exclusions	US Person and non-tax residents	Document verification and tax declarations
Checks	Anti-money laundering and credit assessment	Complete documentation requested by the bank

How to apply for the Hello! Card online: a step-by-step guide

Applying for a credit card online with Hello bank! is quick and easy. Before you start, it is a good idea to read the information sheet and terms. This helps you choose the right card and prepare your documents.

Accessing the Hello bank! website and dedicated pages

To get started, go to the official Hello bank! website and open the Cards section. There you will find the Hello! Card page with all the details. Reading the FAQs and guides helps you avoid mistakes.

Completing the online form and submitting digital documents

The online form asks for personal details, your tax code, income information and IBAN. You must attach a copy of your identity document and tax code. If anything else is needed, the bank will let you know during the process.

Electronic signature options and application confirmation

You can sign electronically in several ways, such as using a digital signature or through the secure customer area. If necessary, documents can be sent by registered post. Completing the signature confirms acceptance of the terms and completes the application.

Card issuance and delivery times

After confirmation, issuance and delivery times are shown on the website. The Hello! Card has a long validity period and is sent to the home address provided. The PIN arrives separately. Activation may take a few days for security checks.

Hello! Card fees, limits and contractual terms

Before applying, it is important to understand the Hello! Card’s fees and limits. The Summary Document and information sheet explain the monthly fee. They also provide information on fees for the following year and any additional cards.

Charges for sending documents can vary. However, electronic delivery is often free. There are fees for topping up the card, obtaining a replacement PIN, replacing the card or blocking it, as set out in the contract.

Usage limits

The Hello bank! credit limit can be up to 5,000€. The Summary Document shows the minimum and maximum limits. It also specifies the monthly usage limits.

Daily and monthly withdrawal limits are set out in the financial terms. For specific needs, you can ask the bank to adjust the credit limit.

Fees for withdrawals and foreign currency transactions

Withdrawal fees vary depending on the ATM and card network. BNP Paribas Group may not charge fees for withdrawals within the group. Other banks may charge different fees.

For payments in currencies other than the euro, the card network’s exchange rate applies. There may also be additional fees, such as those specified in the contract. There are charges for cash advances and penalties for late payment.

Cancellation and cooling-off rights

Customers have the right to cancel within 14 days without penalties. This applies to distance contracts under D.Lgs n.206/2005. You can cancel through the website or by registered post, following the instructions in the contract.

If you have already used services before cancelling, you must pay for the services used. The financial terms explain how these charges are calculated and which amounts must be paid.

Practical tips

• Compare credit card offers to assess costs and benefits.
• Read the information sheet carefully to understand the fees and top-up conditions.
• Check the Hello bank! credit limit and ask for clarification about any limits or changes.

Management, security and what to do in the event of loss or fraud

Card security is essential for Hello bank! customers. We explain how to enable notifications, block your card and respond to fraud.

Enable SMS Alert and monitor your card through the Hello bank! app

To keep track of transactions and your balance, enable SMS Alert Hello bank! on the website. These notifications help you identify suspicious transactions, improving your card’s security.

In the Hello bank! app, you can manage authorisations and notifications. You can also digitise your card on Android devices. For online transactions, the “authorisations” section or smartphone notifications allow you to confirm transactions securely.

How to block your card 24/7 and useful numbers to call

If your card is stolen or lost, you must block it immediately. To block your Hello! Card, call Customer Relations on +39 06 8882 9999. This number is available 24 hours out of 24, 7 days out of 7.

When you call, you will be asked for your personal details and card information. The operator will then give you a CRO confirming that the card has been blocked. This document is important when reporting the incident to the authorities.

Procedures for reporting incidents and disputing unauthorised transactions

After blocking the card, the bank will ask you to report the incident to the authorities. You must attach the report to the form on the website so the process can proceed quickly.

To dispute unauthorised payments, complete the Incorrect Transactions Form and send it to [email protected]. You can also ask for help completing it at a BNL branch.

Liability for losses is regulated. If you do not report the loss within a certain period, you may have to pay up to 150€. However, if you report it immediately, you do not have to pay for further losses unless there has been fraudulent behaviour.

Practical benefits and insurance included with Hello! Card

The Hello! Card combines easy payments with travel and purchase protection. It offers ways to protect spending and family members. Thanks to Hello bank!, there are many benefits.

The insurance covers the theft of purchases made with the card. In the event of robbery or theft, you can receive reimbursement of up to 1,033€. This is according to the Hello bank! information sheet.

The cover also protects against cash theft. The coverage limit for this is up to 520€. If luggage paid for with Hello! Card is lost, reimbursement can be up to 2,066€.

For delayed baggage delivery, you can receive compensation of up to 260€. This is for essential expenses after six hours. The conditions, exclusions and activation procedures are detailed in the contract.

For online purchases, the card uses authentication such as Mastercard ID Check or Visa Secure. The Hello bank! app makes confirming payments easier. This reduces the risk of fraud.

To pay online, you need to enter your card details. These include the 16 digits, CVC2/CVV2 and expiry date. Websites that use the authentication service require confirmation through the app to complete the transaction.

You can get an additional Hello bank credit card for family members. The main cardholder remains responsible for the transactions. However, all transactions appear on the main statement.

The additional card makes it easier to manage family spending. It provides control and transparency over transactions. It centralises payments.

Other benefits include credits paid directly to the card and compatibility with digital wallets. Customer support is also available via chat, telephone and email.

Cover	Cover limit	How to activate
Theft of purchases or robbery	Up to 1,033€	Report the incident and submit documents as specified in the information sheet
Theft of withdrawn cash	Up to 520€	Report to the police and follow the procedure specified in the policy
Theft or loss of luggage	Up to 2,066€	Submit a claim with travel documents and tickets
Delayed baggage delivery	Compensation up to 260€	Report after 6 hours and keep receipts
Online purchase authentication	Transaction protection	Confirmation through the Hello bank! app or Mastercard/Visa services
Additional cards	Unlimited number on request	Issued in the family member’s name, with spending charged to the main cardholder’s account

To make the most of the benefits, it is important to read the agreement. Combining the card with PAYBACK Hello bank! can add value to everyday spending by earning points.

Conclusion

To apply for the Hello! Card, you need to follow a few steps. First, check whether you meet the requirements. Then prepare your identity document and tax code.

Next, go to hellobank.it and complete the online application. Finally, sign electronically and wait for your card and PIN to be sent to you.

The Hello! Card offers many benefits. It provides security with chip & PIN, OTP and contactless technology. It is also compatible with Apple Pay, Samsung Pay and Garmin Pay.

The card participates in PAYBACK. It also offers insurance and tools to monitor spending, such as the Hello bank! app and SMS Alerts.

Before applying, read the information sheet carefully. This will help you understand the costs, terms and limits. Remember that you can cancel the agreement within 14 days.

If you have any questions, call the card-blocking number +39 06 8882 9999 (24/7 service). For other information, contact Hello bank! customer service or visit a BNL branch.

If the card suits your needs, visit hellobank.it. Download the app and apply online.

FAQ

What is the Hello! Card and who issues it?

The Hello! Card is a Mastercard credit card. It is requested by the cardholder and issued by Banca Nazionale del Lavoro (BNL) for Hello bank!. It can be used for purchases in shops, online and for cash withdrawals.

What are the main benefits of the Hello! Card?

It offers chip & PIN security and contactless payments. It is compatible with Apple Pay, Samsung Pay and Garmin Pay. It participates in the PAYBACK programme to earn points. It also includes insurance cover for purchases, withdrawals and luggage.

Who can apply for the Hello! Card in Italy?

Customers living in Italy can apply. They must have the legal capacity to enter into contracts and an account for settling payments that complies with anti-money laundering regulations. The card is personal and non-transferable.

What documents are needed to apply for the card?

You need a valid identity document, tax code and residential details. You must also provide information about your income or economic activity. In addition, you need a telephone number, email address and the IBAN of the account to be debited, if requested.

Are there restrictions for those who are tax-resident abroad or are a “US Person”?

Yes. The Hello! Money account and services are not available to a “US Person” or customers who are tax-resident abroad. The bank may exclude certain categories or impose special conditions on them.

How do you start the online application process for the Hello! Card?

Start on the official website hellobank.it, in the Cards or Hello! Card section. Read the information sheets and terms. Then complete the online form with your details. Attach the required documents and sign electronically as instructed.

Can the application be signed electronically?

Yes. Hello bank! offers electronic signature options on its website or in the secure customer area. In specific cases, confirmation may be provided through paper documents or registered post.

How long does it take to receive the card and PIN?

Issuing and delivery times are listed on hellobank.it. The card is valid for three years. The PIN is sent separately, with delivery times varying.

What costs are associated with the Hello! Card?

Fees and charges are listed in the Information Sheet and Summary Document on the website. Consult these documents for the latest rates.

What is the maximum credit limit and what are the withdrawal limits?

The maximum credit limit can be up to 5,000€. Actual limits are set by the bank and stated in the Summary Document and the agreement. Daily and monthly withdrawal limits are defined in the financial terms.

How much does a withdrawal or payment in a foreign currency cost?

Cash advance fees and foreign currency transaction costs depend on the ATM and payment network. The exchange rate and any fees are stated in the agreement. The BNP Paribas Group may waive certain fees for withdrawals within the group.

Is there a right to cancel distance contracts?

Yes. There is a right to cancel distance contracts within 14 days without penalties. The procedure for exercising this right is described in the contractual documents and in the secure customer area.

How do you activate SMS Alerts and manage the card through the app?

SMS Alerts can be activated from the private area of the Hello bank! website. The Hello bank! app allows you to digitise your card (on Android), manage notifications and authorisations, and check your card’s security through the dedicated section or push notifications to confirm online transactions.

What should you do if your card is lost or stolen?

Block your card immediately by calling Customer Relations on +39 06 8882 9999, available 24/7 for BNL/Hello bank!. You will be asked for personal details during the call; a CRO will be issued at the end. Afterwards, report the incident to the relevant authorities and follow the refund or replacement procedure provided by the bank.

How do you dispute unauthorised or incorrect transactions?

After blocking your card, you must report the incident to the authorities. To dispute charges you do not recognise, complete the dedicated form on the Hello bank! website and attach the documents and the report. For incorrect transactions, the Modulo Operazioni non Corrette form is available and should be sent to [email protected]; if necessary, you can ask for assistance at a BNL branch.

What is the cardholder’s financial liability in the event of loss or unauthorised use?

Until the bank is notified, the cardholder is liable for losses of up to 150€, except in cases of wilful misconduct or gross negligence. After notifying the bank, the cardholder bears no further losses unless they have acted fraudulently. Detailed liability provisions are set out in the contractual terms and conditions.

What insurance cover is included with the Hello! Card?

The card includes free cover for theft of purchases (reimbursement up to 1,033€), theft of cash withdrawals (up to 520€), theft or loss of luggage during trips paid for with the card (up to 2,066€), and compensation for delayed luggage (up to 260€). Exclusions and activation procedures are described in the information sheet.

How do online shopping benefits and authentication work?

To shop online with Hello! Card, you need the 16-digit card number, CVC2/CVV2 and expiry date. Websites that support authentication require an OTP or confirmation through the Hello bank! app (Mastercard ID Check/Visa Secure) to complete the transaction securely.

Can you request additional cards for family members?

Yes. The cardholder can request additional cards in family members’ names. However, the cardholder remains responsible for all transactions made with those cards. Transactions on additional cards appear on the cardholder’s statement, allowing spending to be managed centrally.

Where can you find information sheets, contracts and official guides?

All disclosure documentation (information sheets, contracts and credit card guides) is available on the official website hellobank.it in the Cards or Hello! Card section. You are advised to consult these documents before applying to understand the costs, limits and conditions.

How do you get started if you decide to apply for the Hello! Card?

Check the requirements, prepare the required documents, visit hellobank.it, complete the online form, sign electronically and wait for the card and PIN to be issued. For assistance, consult the guides on the website or contact Hello bank! customer service.