Financial difficulty assistance
We understand there may be times when your personal circumstances change. You may experience an unexpected event or changes outside of your control like losing your job, suffering an illness or injury, or being affected by a natural disaster.
As a result, if you can’t afford the minimum repayment on your loan or credit card, and would like us to consider if we can provide financial difficulty assistance, please contact us immediately. The sooner you contact us the sooner we can try to help you.
In many instances help can be provided quickly and efficiently over the phone.
Otherwise we may need to do a more detailed assessment of your personal and financial circumstances to identify how we might be able to help.
Financial difficulty assistance is available to you, whether you are an individual, joint account holder, guarantor or small business customer. If you have a joint account and are experiencing financial difficulty, we can assist you individually if you request it.
Other useful resources
If you are experiencing financial hardship, useful resources are available to you. These include:
- The National Debt Helpline have easy to use, step-by-step guides on how to tackle debts - ndh.org.au. You can also call the National Debt Helpline on 1800 007 007 to talk to a financial counsellor for free, independent advice about your situation.
- Financial Counselling Australia will help you find a financial counselling agency in your area - www.financialcounsellingaustralia.org.au.
- ASIC’s ‘MoneySmart’ website provides information and tools to help you make the most of your money - www.moneysmart.gov.au
- The ABA’s ‘Financial Hardship’ website can help know what to do if you are experiencing financial difficulties, how your bank can help, where to go for more information and how to apply for help - https://www.ausbanking.org.au/campaigns/financial-hardship/
Browse our help topics
- What is PayID?
- What are the benefits of PayID?
- Who can create a PayID?
- What happens if I lock my PayID?
- What if I don't like my PayID name?
- What happens if the PayID I want to use is already registered by someone else?
- What should I do if I don't receive the six digit verification code when creating a PayID?
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- Is Osko by BPAY different from BPAY? Will it replace BPAY or BPAY View?
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- Do you have to be registered for e-banking to create a PayID?
- Why might an account not be visible when creating a PayID in e-banking?
- Can a PayID be created on a term deposit account?
- What happens if I lose my mobile phone and that number was also my PayID?
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- Can a PayID be used to make or receive overseas payments?
- Who can receive fast payments?
- Can you give me an example of when I might need to use a fast payment?
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- Where am I able to see transaction references over 280 characters?
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