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Self help 

Options are available to manage the payments on your credit card, personal loan, mortgage, car loan or if you’re self-employed, and any debts associated with your business.

Where can I turn for help?

Our specialised team, Customer Connect, can work with you or your business and establish a plan to help you get back on track.

Each application for assistance is individually assessed with a short or long-term solution tailored to provide you with some financial relief. This may include a moratorium, reduced payment, loan restructures or a reduction in fees or interest.

While we can provide support if you are facing financial difficulties, it’s also a great opportunity for you to review your budget. A break from your repayments is only a temporary solution; for sustainable change you may need to assess your spending and determine your priorities.

Everything you need is here at your fingertips. There’s MoneyMinded, with its short interactive activities designed to help you develop your money skills. And if you’d like free, independent advice if you are in financial hardship, you can find your nearest Financial Counsellor by calling 1800 007 007.

These are just a few of the many free tools and resources available to help relieve your financial stress.

Financial Assistance Hub

The Australian Banking Association's online Financial Assistance Hub is an industry-wide guide designed to help people understand what options may be available if they're experiencing financial difficulty.


Financial vulnerability guide

If you are experiencing, or have experienced financial abuse, this guide may help you take the first steps towards rebuilding your financial independence.

Feeling financially vulnerable (PDF)



MoneyMinded was created to help you build your skills, knowledge and confidence in managing your money.



ANZ developed these to help you navigate through important life events which may impact you financially.

Coping with separation and divorce (PDF)
Managing redundancy (PDF)
Selling your home (PDF)
Having a baby (PDF)


Financial counsellors

Financial Counsellors provide free information, support, and advocacy to people in financial difficulty. Visit the National Debt Helpline website for more information or free call 1800 007 007


Family and domestic violence support

1800 RESPECT (1800 737 732) is a 24-hour hotline which provides help for any Australian who has experienced, or is at risk of, family and domestic violence and/or sexual assault.


Appoint a representative

If you would like to nominate someone to act on your behalf, please complete a Letter of Authority form (PDF) and return via email to, or fax to 1800 010 057.


Australian Financial Security Authority

The Australian Financial Security Authority provides useful information and statistics, plus forms on debts and insolvency in Australia.


Debt self help

Financial Counselling Australia developed this site to provide practical steps, tools and other information to help get your finances back on track.


Doing it tough

The Australian Bankers' Association has put together this detailed site with helpful information about how all Australian banks approach financial hardship.


Understand insurance

Understand Insurance, an initiative of the insurance industry, provides information to assist consumers and businesses to make well-informed decisions about their insurance needs. The website covers home, contents, car, travel, boat, business and pet insurance.



For information on depression and anxiety and where to get help, visit the beyondblue website or contact their support service on 1300 224 636.


Department of Human Services

Helpful information about Federal Government initiatives via the Department of Human Services if you are financially vulnerable.



JobAccess has been set up as an information and advisory service about the employment of people with disabilities. It is aimed at employers, service providers and people with disabilities and provides access to information that assists with employment.


Money Smart

ASIC runs Money Smart, a free and independent service that has easy-to-use tools to help you manage your money, plan, invest, or pay off debt.


Rural Financial Counsellors - Department of Agriculture

If you're a farmer and experiencing drought or other rural issues, this Government Department offers handy business information, grants and support.



Myfuture is Australia’s career information and exploration service including tips if you are facing redundancy or need help finding a job.


Australian Taxation Office (ATO) Small Business Assist

The ATO's free online support hub for small business, Small Business Assist, includes webinars, workshops, and other practical advice. Simply type in your question and go.


ATO Business Viability Assessment Tool

This ATO Business Viability Assessment Tool is designed to assist businesses and tax agents determine if a business is viable. There is also an extensive list of definitions for business and financial terminology.


Small business help lines

The Australian Government has established the small business support line to provide one-on-one support. Call 13 28 46.


Way Forward

Way Forward is a not-for-profit organisation and joint initiative of corporate and community organisations that assists people in long term financial difficulty by helping them manage and repay their debts. If you’re struggling to pay off your debts to multiple organisations, they may be able to:

  • help you create a budget
  • work with creditors to come up with repayment plans that you can afford
  • and distribute your debt repayments on your behalf.

Contact Way Forward via their website or call them on 1300 045 502.


Foodbank is a registered charity which provides food and grocery relief throughout Australia via frontline charities, school breakfast programs and in some states, direct to the general public. If you require food support, please visit Foodbank’s website for locations.