Money at life‑speed.
Simple. Fast. Secure. Mobile.
The way we manage our money needs an update. It’s time to make the world of finance simpler, smarter and fit for modern life. It’s time to say goodbye to the old. And say hello to Hay.
Open your fee-free account in under 5 minutes. No waitlists.
Simple. Fast. Secure. Mobile.
100% mobile
Hay is designed to be mobile-first. So you get full financial functionality at your fingertips.
Good-looking data
Beautifully visualised insights help you track your money at a glance.
Total control
Real-time notifications and detailed transaction data helps you understand your money better.
Take us anywhere
Great exchange rates online and abroad with $0 fees, markup or limit on international transactions.
The first of its kind in Australia. And Hay, we are just getting started.
Traditional bank cards usually end up in landfill where they sit for hundreds of years. That didn't sit well with us, so we
designed our cards to be durable while in your wallet but break down when in biologically active landfill. Even our
packaging is made from non-virgin sugar cane by-product and is 100% recyclable, biodegradable and even compostable.
We've taken the first step in the right direction to minimise our impact on the environment and work towards a
more sustainable future.
Receive 1% cashback on everyday purchases $10 or less.
Simply refer a friend with your unique link and when they open a Hay account,
you’ll unlock 1% cashback rewards on all purchases $10 or less.
#TinyBigRewards
Hay makes it easier to stay in control of your
spending at home and when you travel.
Spend, send and receive money at life-speed.
Yeah. We’re not into fees.
Stay on top of your spending
with crystal clear insights.
We take security seriously and work around the clock to keep your money safe.
Messaging with a real person in
our Aussie support centre. No
bots. No waiting on-hold.
See your balance in local
currency so you can track
what you spend and focus
on margaritas
important cultural stuff.
Travel mode keeps track of
your overseas spending with
dedicated budget tracking
and clear currency
conversions.