In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to get a Hay Account
  • Your reviews
  • Ask a question
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Hay Account: Digital transaction account and card

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Hay Account

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Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee

Our verdict

A fee-free digital transaction account and card with no international transaction fees and free overseas ATM withdrawals.

The Hay Account is a completely digital transaction account that operates entirely via the mobile app. The account comes with a Hay Visa Card which you can load money onto and use all over the world.

You can join the waitlist for the account by downloading the app and entering in a few basic details. Something that’s really cool about this waitlist is that the first 10,000 people to join will be considered founders. As a founder, you’ll get your own limited-edition founders card and various account perks for life. This is really unique for a banking product, as you don’t often get rewarded for being a long-term customer.

You can use this account as your day-to-day spending account in Australia, and it also makes for a good travel money option when you’re overseas. It charges no international transaction fees and you can withdraw up to $500 from overseas ATMs for free each month. If you mainly pay for things via card, this should be plenty. But if you often withdraw large amounts of cash overseas, keep in mind you will be charged 1.5% for any amount you withdraw over $500 in the month.

One important thing to note about this account is that it's not a bank account, and the card is not a debit card. So unlike other Australian banks, your deposit with Hay isn't protected under the Government Guarantee Scheme. This could be something to consider before you deposit large amounts of cash into the account.


  • No international transaction fees
  • Withdraw up to $500 a month at overseas ATMs for free
  • Hay app shows your spending in the local currency
  • No account keeping fees


  • This is not a bank account
  • Your deposit isn't protected under the Australian Government Guarantee Scheme

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to get a Hay Account
  • Your reviews
  • Ask a question

The Hay Account is a 100% digital transaction account that's managed entirely via the Hay mobile app. It comes with a Visa card, and is designed to help you budget and save money when travelling and when at home.


Key details

Product Name Hay Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International transaction fee 0%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay


Minimum Age 16
Joint account availability No
Minimum opening deposit N/A
Residency status Permanent Australian residents with an Australian address

Key features

Picture not described

Digital transaction account

The Hay Account is a digital transaction account designed for day-to-day spending and to help you track your budget. You can transfer money to your Hay Account like you would any other bank account using your BSB and Account Number. However, the Hay Account is not a bank account.

Prepaid Hay Card

The Hay Account comes with a prepaid Visa card. As the Hay Account is not a bank account, the card is a prepaid Visa card not a debit card. You can still use the card anywhere Visa is accepted all around the world.

First 10,000 customers will be 'founders'

The First 10,000 customers to join Hay will be classed as founders for life, and enjoy a range of special account perks and features. Founders will also receive an exclusive, limited edition founders card.

How to get a Hay Account

You can get a Hay Account and card by downloading the app on either Google Play or the App Store for free. You'll be asked to give your phone number and join the waitlist.


  • Residency. You must be an Australian resident with a residential address.
  • Age. You must be over 16 years old.

Your reviews

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