This is a crucial subject for a self-entrepreneur.
While for individuals, bank charges amount to an average of 200 euros, for professionals the sums can be much higher.
But fortunately, there are tips to lighten the bill.
Discover the tricks to reduce the bank charges of a self-employed person
Choose a banking offer adapted to your needs
Most banks offer the most expensive offers without taking into account the real needs of an auto-entrepreneur.
The self-employed worker must first take stock of the services he needs to carry out his activity.
Choose a cheaper bank plan if you only make a few card payments or make few bank transfers.
Take stock of your cash flow needs
Managing your cash flow is more difficult for a professional than for an individual.
It is therefore important to anticipate your needs according to the rate of payment of your customers, for example.
There are low-cost solutions, such as short-term cash loans that can contain your overdraft.
Choosing a pro online bank
There are many comparisons to choose the bank that best suits your needs.
With attractive rates and many services, online banks are attracting more and more professionals.
After attracting many individuals with attractive offers, online banks are increasingly interested in professionals.
In this area,
the Hello Business offer from Hello bank!
proves to be the best quality/price ratio on the market.
Hello Business, the banking offer adapted for professionals
Hello Business is a bundle of banking services and products at a single rate of 10.90 euros per month excluding tax.
For 11 euros per month, manage your company's cash flow in a few clicks.
The Hello Business credit card
The Hello Business international payment card provides access to the CB and Visa payment networks.
Two options are available to you, choose immediate debit or deferred debit, allowing all card payments to be debited on the day of the start of the contract.
Make fee-free and unlimited payments, deposits or cash withdrawals
All payments and withdrawals are free of charge in France and abroad without any restrictions.
You can also deposit your cash for free with your card at all BNP Paribas counters.
But you also have the option of making unlimited instant SEPA transfers free of charge.
Manage your cash flow with the My Business Assistant Start tool,
Create, edit and send your quotes and invoices easily via the My Business Assistant Start tool made available when you subscribe, a tool allowing you to create, send and modify quotes and invoices in a few clicks.
It also allows you to anticipate your cash flow needs and automatically calculates the VAT.
Cash facility and professional credit
To cope with the many and frequent late payments, Hello Business customers benefit from a cash facility of 1550 euros.
Another advantage is the possibility of accessing a loan of 25,000 euros six months after opening an account, to develop your business.
The funds will be available within two days without any application fees.
Insurance and assistance for professionals:
Hello Business allows you to insure a professional in the event of a dispute with a customer or supplier.
This service also covers lawyers' fees, business travel as well as the costs of cancellation, interruption, or modification of the trip or loss of luggage.
All for a ceiling of €300.
In the event of an accident or theft, the costs are also reimbursed.
And in the event of hospitalization resulting from an illness or accident, an income of 100 euros per day spent in hospital, up to a limit of 60 days, is paid to Hello Business customers.
All about the Hello Business banking offer
How to become a customer and subscribe to the Hello Business offer?
The Hello Business offer is reserved for independent professionals residing in France.
The person must therefore operate under the status of micro-entrepreneur or individual entrepreneur.
If these conditions are met, the professional can carry out the following procedure online:
Fill out a form
Electronic signature of the document
Sending supporting documents
A first payment of 10 euros will be requested to validate
the opening of the Hello bank!
.
The customer will then be debited 10.90 euros excluding tax every month to take advantage of the many Hello Business services.
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The prices mentioned in this article are indicative and are subject to change.