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Many things can lead to financial difficulty. It can happen to anyone. This guide is designed to help you understand the options that may be available if you’re struggling financially.
The information provided is only a guide, so it’s a good idea to contact your bank as soon as you can if you’re worried about money.
You can find contact information for individual banks below.
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1 What is your current situation?
2 What do you need assistance with?
Financial counselling
National Debt Helpline
The National Debt Helpline offers a free, independent and confidential service for those experiencing financial troubles.
Small Business Debt Helpline
The Small Business Debt Helpline offers a free and independent service for small businesses and sole traders in financial difficulty.
Rural Financial Counselling Service (RFCS)
The RFCS provides free, confidential financial counselling and planning support to farmers and rural small business.
Helpful resources and support
Moneysmart
Moneysmart offers financial guidance for all Australians, with simple tools, tips and calculators.
Beyond Blue
Beyond Blue provides mental health support and services to all people in Australia.
Way Forward
Good Shepherd
Good Shepherd provides no-interest loans, counselling and a Financial Independence Hub to help build confidence, capability and independence.
Find your bank
About the ABA
The ABA’s mission is to support our member banks to build a strong, stable and trusted banking system, to grow the Australian economy and build the financial well-being of all Australians.
Find out more