Other help and support

Don't face financial challenges on your own

If you’re struggling financially right now, for any reason, be reassured that you can get support. Many organisations across Greater Sydney and beyond offer financial assistance and counselling. Plus all major banks have dedicated teams to support clients facing financial hardship.

COVID-19 update
If COVID-19 is affecting your finances or mental health, you or your business may be able to access NSW Government support.

Financial assistance services



How they help


1300 111 278

Provides emergency relief, counselling and other support services.

AGL – Staying Connected Hardship Program

1300 659 925

Helps residential customers in financial hardship who are struggling to pay electricity/gas bills.

Christians Against Poverty

1300 227 000

Provides free debt management in Australia through a network of outreach centres in partnership with local churches.

Emergency relief agencies

Find your local agency details on the DSS Grants Directory

Provide immediate financial and material support to people in financial crisis. Community agencies deliver emergency relief services and help people address immediate basic needs in times of financial crisis.

Energy Accounts Payment Assistance (EAPA) scheme

13 77 88

Provides information about the EAPA scheme and how it works, and a list of providers for more information. 

EnergyAssist Program (Energy Australia)

13 34 66

Provides information and advice for customers having difficulty paying electricity bills.

Financial Counsellors Association of NSW

1300 914 408

Peak membership organisation for financial counsellors in NSW.

Financial Rights Legal Centre

1800 007 007

Provides financial counselling information, advice and referral services on credit, debt and banking issues to NSW residents.

IMB Hardship Program

13 34 62

Provides assistance and advice for customers in hardship. Can provide temporary reduction or deferral of repayments.

ING Hardship Relief Guide 1300 349 166

Provides written information to ING customers about how to apply for financial hardship relief. 

Mortgage Hardship Service

1300 888 529

Provides written advice about the scheme – short-term help for people experiencing temporary difficulties with their home loan repayments because of an unavoidable change in circumstances.

No Interest Loans Scheme (NILS)

13 64 57

Provides no-interest loans to low income earners for household items or services.

Optus Hardship Program

1300 308 839

Link to Optus’ Financial Hardship Assistance & Policy page.

Origin Hardship Charter – Power On

13 24 61

Helps residential customers who are experiencing hardship manage their energy usage and bills. 


13 22 00

Offers flexible payment terms and options for customers experiencing genuine difficulties.


1300 650 405

Helps customers facing financial hardship with their bill.

Counselling and support services



How they help

My Aged Care

1800 200 422

Provides accommodation and care services to over 700,000 older people, people with a disability and their carers.

Alcoholics Anonymous Australia

1300 222 222

Provides support and advice to people affected by alcohol addiction.

Beyond Blue

1300 224 636

Improves mental health across various stages of life and areas of the community.

Cancer Council

13 11 20

Provides news, information and support for people living with cancer and their families.

Carers NSW

1800 242 636

Provides carer information, support and counselling.

Creating Links

1300 254 657

Provides a range of services for Bankstown LGA residents, including Family Services, Community Services, Children Services, Fostering, Disability Services and Financial Wellbeing Services, NDIS provider.

Crohn’s and Colitis Australia

1800 138 029

Provides support services, funds research and creates public awareness for Australians with Crohn’s disease or ulcerative colitis.

Domestic Violence Line (Communities & Justice)

1800 656 463

Provides support and advice to victims of domestic and family violence, including emotional, psychological, financial, sexual or other types of abuse.

Drug Arm Australasia

1800 656 800

Offers drug awareness resources and programs. Fact sheets, drug information list, resource lending library, and organisation details.

Family Connect & Support

Check the website for local contact numbers

Offers a free, voluntary and integrated service to meet the needs of vulnerable children, young people and families by bringing together families, relevant services and community resources in the local area.

Family Relationship Advice Line

1800 050 321

National telephone service established to help families affected by relationship or separation issues.

Fight Dementia

1800 100 500

Provide support services to sufferers of dementia, including 24-hour phone support, early intervention programs for people with dementia, education, therapy and carer support groups.

GambleAware NSW

1800 858 858

Free gambling counselling services for people affected by gambling, family members and friends.


1300 345 852

Provides direction for service providers and community members to respond to situations of squalor and hoarding. 


13 11 14

Providing all Australians experiencing a personal crisis with access to 24-hour crisis support and suicide prevention services.

Meals on Wheels NSW

8219 4200

Provides nutritionally balanced meals and support to frail, aged people, people with disability and their carers.

Mensline Australia

1300 789 978

Provides national telephone and online support, and information and referral services for men with family and relationship concerns.

Narcotics Anonymous Australia

1300 652 820

Provides support and advice to people affected by narcotic addiction.

Parents Beyond Breakup

1300 853 437

Provides advice and support for separated mothers and fathers.

Parentline NSW

1300 130 052

Provides free professional help for parents and carers of children 0–18 years in NSW. 

Parkinsons Australia

1800 644 189

Provides advice and support for people with Parkinsons and their carers. 


1800 733 548

Supporting children diagnosed with cancer aged 0–18 and their families.

Relationships Australia

1300 364 277

Provides counselling and mediation services for couples and families.

Salvation Army

13 72 58

Provides free nationwide professional telephone and online counselling. 

Sane Australia

1800 187 263

Provides free nationwide professional telephone and online counselling.

Service NSW

13 77 88

Access NSW Government rebates and savings.

Suicide Call Back Service

1300 659 467

Provides free nationwide professional telephone and online counselling for anyone affected by suicide.


1300 885 698

Red Cross can provide you with a daily telephone call to check on your wellbeing through a service known as Telecross.

Tenants NSW


Provides advice and support for tenants of private rental housing, social housing tenants, boarders, lodgers and residential park residents.

Accredited community agencies

If you'd prefer to speak to someone in your local area, there's a range of accredited community agencies you can call to find out about payment assistance options.