Grow wealth
one micro-step at a time
Hay-M turns your spare change into a diversified investment portfolio — automated, intelligent, and built for everyone.
Round-Up Saving
Every purchase rounds up to the nearest pound. Those pennies automatically flow into your chosen investment basket.
Diversified Portfolios
Spread across global equities, bonds, crypto, and real estate. One tap to rebalance. Always optimised.
Goal-Based Saving
Set a target — holiday, home deposit, retirement. We build a roadmap and auto-save to keep you on track.
Instant Deposits
Link your bank and top up in seconds. No minimum deposit. No waiting period. Start with as little as £1.
Bank-Grade Security
256-bit encryption, 2FA, and FSCS protection up to £85,000. Your money is safe with Hay-M.
Powerful Analytics
Real-time portfolio tracking, performance forecasts, tax summaries, and smart spending insights.
Get started in 3 steps
Create your account
Sign up free in under 2 minutes. No paperwork.
Link your bank
Securely connect via Open Banking. FCA authorised.
Watch it grow
Sit back while Hay-M puts your money to work.
| Description | Date | Type | Amount | Status |
|---|---|---|---|---|
| Round-Up — Coffee at Pret | 27 Mar 2026 | Auto-save | +£0.40 | ✓ Done |
| Monthly Deposit | 25 Mar 2026 | Deposit | +£250.00 | ✓ Done |
| VWRL ETF Purchase | 24 Mar 2026 | Investment | -£120.00 | ✓ Done |
| Bitcoin auto-invest | 20 Mar 2026 | Investment | -£40.00 | ✓ Done |
| Asset | Class | Units | Avg Cost | Current | Value | P&L |
|---|---|---|---|---|---|---|
| VWRL — Vanguard All World ETF | Equities | 12.4 | £86.20 | £91.80 | £1,138 | +6.5% |
| BTC — Bitcoin | Crypto | 0.042 | £56,000 | £68,400 | £2,873 | +22.1% |
| GLEN — Glencore PLC | Equities | 320 | £4.12 | £4.55 | £1,456 | +10.4% |
| IUKD — UK Dividend ETF | Equities | 55 | £12.80 | £13.40 | £737 | +4.7% |
| SLXX — Corporate Bond ETF | Bonds | 30 | £148.00 | £143.50 | £4,305 | -3.0% |
| IUKP — UK Real Estate ETF | REIT | 88 | £8.40 | £9.10 | £800 | +8.3% |
| ETH — Ethereum | Crypto | 0.62 | £1,800 | £2,050 | £1,271 | +13.9% |
Based on your current allocation, your portfolio carries a moderate-high risk level. Consider adding bonds to reduce volatility.
| Date | Description | Category | Type | Amount | Balance After |
|---|---|---|---|---|---|
| 27 Mar 2026 | Round-Up — Pret A Manger | Coffee | Auto-save | +£0.40 | £12,480.40 |
| 25 Mar 2026 | Monthly Auto-Invest | Savings Plan | Deposit | +£250.00 | £12,480.00 |
| 24 Mar 2026 | VWRL — 1.2 units @ £91.80 | Equities | Buy | -£110.16 | £12,230.00 |
| 22 Mar 2026 | Round-Up — Tesco Express | Groceries | Auto-save | +£0.65 | £12,340.16 |
| 20 Mar 2026 | Bitcoin — auto-invest 0.0006 BTC | Crypto | Buy | -£40.00 | £12,339.51 |
| 18 Mar 2026 | IUKP REIT — 4 units | Real Estate | Buy | -£36.40 | £12,379.51 |
| 15 Mar 2026 | Dividend — IUKD ETF | Income | Dividend | +£12.44 | £12,415.91 |
| 10 Mar 2026 | Top-up — Holiday goal | Savings | Deposit | +£100.00 | £12,403.47 |
| 5 Mar 2026 | Round-Up — Costa Coffee | Coffee | Auto-save | +£0.30 | £12,303.47 |