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Hardship support services
Financial hardship can be a challenging and uncertain time. If you’re in need of some extra advice or support, there are a number of free and independent services available to help you get back on track.
Apply for financial hardship assistance
It’s important to let us know as soon as possible if you think you’re going to miss or make a late payment on your loan or credit card.
There are a range of ways we can support you, whether you’re facing a short-term difficulty or a longer-term change.
National Debt Helpline
Connects you with independent financial counsellors to support you through your hardship journey.
Way Forward
Offers debt relief advice and assistance that can help you manage repayments and create new payment plans with lenders.
Mob Strong Debt Helpline
A dedicated financial counselling service for Aboriginal and Torres Strait islanders.
Rural Financial Counsellors
The Government offers free financial counselling for eligible farmers, fishers and foresters who are facing hardship.
Losing a loved one
Losing a family member or close friend is emotionally challenging. We’ve put together some information to guide you through the next steps.
Family violence and financial abuse
At ANZ, we'll support you if you're affected by family violence or financial abuse. Find out what help may be available.
Appoint a representative
You can have someone apply for hardship support on your behalf. Complete a Letter of Authority form and email it to cucomort@anz.com.
Financial vulnerability
A guide to help you start rebuilding your financial independence if you are experiencing or have experienced financial abuse.
Natural disasters
If you’ve been affected by a natural disaster, such as a bushfire, flood, storm or earthquake, here’s how we can help.
Separation and divorce
The breakdown of a relationship can take a mental, emotional and financial toll. Learn how to navigate this difficult time.
Gambling support
If gambling is contributing to your financial hardship, there are a range of ways that ANZ can assist you.
Losing your job
Whether planned or not, redundancy is a big life change. Learn more about your rights, entitlements and what comes next.
Crisis Payments
You may be eligible for a one-off Government payment if your hardship has been caused by disaster, domestic violence or psychiatric illness.
myfuture
Tools and guides to help you navigate career changes if you are facing redundancy or need help finding a job.
Financial Assistance Hub
Understand your rights and what options may be available if you're experiencing financial difficulty.
Utility bills
Your electricity, gas, water and internet providers may be able to assist you with payment arrangements if you’re in financial hardship.
Beyond Blue
Counselling services if you’re struggling with anxiety, depression or poor mental health. Available online or over the phone.
Relationships Australia
Access a wide range of relationship support services and counselling for individuals and families to help you through difficult times.
1800RESPECT
Call 1800 737 732 for confidential, 24-hour counselling for anyone affected by family, domestic or sexual violence.
Grief Australia
Talk to specialised grief counsellors and access support and resources to help you navigate the loss of a loved one.
Moneysmart
A free, independent service full of easy-to-use tools to help you manage your money, plan for the future and pay off your debt.
ANZ Financial Wellbeing Hub
Improve your financial health with our collection of budgeting tools, free courses and in-depth articles.
MoneyMinded
Upgrade your money saving skills and build your financial confidence with MoneyMinded’s free 8-step program.
ANZ Budget Planner Tool
Easily create a detailed monthly budget that shows you where your money is coming from and where it’s going.
Small business essentials
Helpful tools, calculators, learning resources and tax time information for small businesses.
Small Business Debt Helpline
Get help with managing your bills, applying for small business grants and repaying your loans.
Small business support
Get free and personalised one-on-one support and advice from small business experts. Available online or over the phone.
ANZ Business Hub
Create a business plan or book an appointment with an ANZ specialist at our dedicated small business hub.