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We believe that Freedom should be Free.

You’ve earned it

Hi enables Pensioners and Workers to freely access their money and be paid when they want. Gone are the days of the monthly payday – with Hi, end-users can access their Pension & Pay for free, as soon as they earn it via Mastercard, helping increase their financial freedom and wellbeing.

Real time visibility of your pay / pension as you earn it

Get paid anytime for free. Avoid shortfalls on expenses

Increase financial freedom, flexibility and wellbeing

We provide real time access to pension and pay. We know your time is valuable, and we believe you should own it. Freedom to do the things you love.

Freedom to play
Time for fun
Freedom from debt
Freedom to feel
Less stress
Time for what’s important
Start living

Introducing Hi.

Hi enables Pensioners and Workers to access their money and be paid when they want, for free.

A physical card supported by a digital solution. Avoid shortfalls on expenses mid pay-period. Avoid high-interest borrowing services.

Less stress
Time for what’s important
Start living
Time for fun
Freedom from finances
Freedom to play
Time for family
Time for memories
Freedom from debt
Freedom to feel

It’s time for change.
You’ve earned it.

Free to use, Forever.

Hi will never charge you the end-user for accessing your pay or pension.

Insights into your spending

Get full visibility of how much you earn and spend.

Everyday is payday

Hi enables Pensioners and Workers to freely & flexibly access their pay as they earn it, if and when they want to.

100% Safe and Secure

Delivered in partnership with Mastercard, Freedom is enabling access to funds they have already earned but not yet received.

Need help with your financials?
We’re here to help.

Get free dept help

It’s time for change.
You’ve earned it.

Get in touch

Frequently Asked Questions

What is Hi?

We're Hi, a pioneering FinTech dedicated to assisting Businesses and Pension Funds in offering more flexible payment options for pensioners and employees. How do we accomplish this? Through the introduction of a brand new Mastercard Access Card.

How does Hi operate?

Each day, the spending limit on the Hi Access Card grows, offering immediate, contactless access to your funds as needed, for free. At the end of the month, your administrator processes payroll as usual, deducting the amount spent on the card, and the remaining balance is disbursed to your regular bank account. Any amount spent on the Access Card will be reflected on your Hi App or Web Portal under the History tab.

Is it possible to access my entire earnings as I receive them?

Hi presently offers access to a portion of your gross pay, within agreed-upon limits set by your employer or pension fund administrators. Additionally, you have the flexibility to establish your own spending limits and receive alerts through the Hi app.

How much does it cost me?

Hi is, and will always remain, completely free for individuals. The costs are covered by your employer or pension fund as part of a benefits package.

Do I need to use the Hi Card to access my pension?

No. If you do not spend on the Hi Card, you will receive your full pension on the regular pension payday.

What happens to my pension if I do use the Hi Card?

Any spending made on the Hi Card will automatically be deducted from your pension payment, and the remaining amount will be paid to your bank account on your normal pension payday.

Will I consistently get my full pay?

You will always receive your full pay, with the deduction of any card expenditures made within the month.

Is the Hi Card a credit card?

No, credit is not being provided. You can only spend the portion of your pension already accrued and available on your Hi Card. You just don’t need to wait until payday to access it.

How can I check my balance if I don’t have an app?

As your balance will change each day, the most effective way to check it is by downloading the Hi mobile app or visiting our web portal (To register to the portal, please email to request). If you decide not to download the app, you can view your balance at any ATM that accepts Mastercard.

I have forgotten my card-PIN. How can I be reminded?

If you have forgotten your PIN, you can view this using the Hi mobile app.

Is a smartphone necessary for Hi Access Card usage?

No, a smartphone is not necessary, however, you will need a mobile phone number to activate your card. Our mobile app gives you a way to view your earnings and card transactions in real time.

Is this a loan?

No. We only give you access to the money you have already earned.

Will this affect my credit rating?

No, this is not a loan and we do not need to run any form of credit check.