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Open a business account with Hello bank!
This is news that could change the world of self-entrepreneurship.
On February 14, the French government decreed a new law to protect the assets of self-employed workers.
This measure has the effect of separating personal and professional assets.
The advantage of this unprecedented measure is that in the event of non-reimbursement of one or more debts, creditors will no longer be able to seize the assets on your personal bank account but on the professional account dedicated to your activity.
Nevertheless, this law is not unanimous among the self-employed.
The opening of a pro account costs more than that of a classic account for the auto-entrepreneur
If the separation between personal account and professional account is very good news for auto-entrepreneurs, a small grain of sand has slipped into the mechanics of this new law.
Since May 15, 2022, this new measure provides for the mandatory addition of the mention "EI" or "Individual Company" on all documents issued by the auto-entrepreneur.
A statement that will allow banks to put an end to a widespread practice among the self-employed.
According to the law, a self-employed entrepreneur generating more than 10,000 euros in turnover per year for two consecutive years is required
to open a professional bank account.
.
But, still according to the law, nothing obliges the auto-entrepreneur to open a pro account and many self-employed workers choose to open a traditional bank account to save tens or even hundreds of euros per year.
Indeed, a pro account accounts on average for nearly 1,700 euros in bank charges per year, according to the Observatory of Business Financing.
A figure ten times higher than the opening of a traditional account.
Reluctant to this practice, the banks will no longer have any doubts with the obligation to add the mention "EI" or "Individual Company" on all the documents of the auto-entrepreneur.
To exert pressure and force the self-employed person to open a professional account, banking establishments have the right to refuse the opening of a new personal account without justification.
Or, close an account at any time with one month's notice.
Up to 750 euros in fines for auto-entrepreneurs without a pro account
With now the obligation to add the mention “EI” or “Individual Company” on all documents, auto-entrepreneurs can no longer go under the radar of banks.
Banking establishments will now be able to identify self-employed workers using a classic account for their professional activity, with the aim of “pushing” them towards the opening of a pro account, which is more advantageous for banks.
But to add this new mention to your bank documents, banks must update their computer system, which still leaves a little time for latecomers.
A word of advice: don't wait too long before opening a pro account because the law provides for a fine of 750 euros for those who do not have a professional account.
Worse still, without this mention the creditors will be able to seize the sums due directly on your bank account.
Open a pro account with Hello bank!, the most comprehensive offer on the market
As seen above, opening an account will become essential for a self-entrepreneur.
Hello bank!
offers support and a quality of service fully in line with the needs of a self-employed worker.
The most complete offer on the market, Hello bank!
offers many advantages:
Daily and permanent management of your pro account
With the Hello bank! application, professionals benefit from real-time monitoring of their professional bank account with the display of the bank balance instantly.
Overdraft facility
Unpaid bills, cash lag, the unforeseen of a professional activity are numerous.
By opening a pro account with Hello bank!, an overdraft facility of 1550 euros is granted to the self-employed worker.
Free check deposit
To avoid wasting time, Hello bank!
allows you to scan customer checks directly on the application and send them by mail for free.
Checks are credited to the pro bank account upon receipt of physical checks.
An available and competent customer service
Available 6/7 days, Hello bank!
(the Hello Team Pro) accompanies you by telephone from Monday to Friday from 8 a.m. to 10 p.m. and on Saturday from 9 a.m. to 5.30 p.m. (excluding public holidays).
Find out more about opening a professional account with Hello bank!
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