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Financial difficulty? You're not alone.

Financial hardship

Missed a payment or experiencing financial difficulty?

You are not alone. We are here to help. We know that financial stress can sometimes be a result of unplanned life events such as change of income, illness, a relationship breakdown, reduction in your business cash flow or emergency events like natural disasters.

What to expect: financial hardship

If you’re experiencing financial difficulty and are unable to meet your regular financial commitments, please let us know. Applying online at your convenience allows us to start the process of helping you with the financial support you need.

If you don’t have access to online banking or prefer to speak with us over the phone, please call us to apply for financial hardship with our Bank of Melbourne Assist Team.

Mon-Fri 8:30am-8:00pm, Sat 9:30am-6pm

Financial hardship assistance and credit reporting

A financial hardship arrangement can help improve your credit report if you meet your revised repayments. Find out more.

Financial Counselling

You can obtain free independent advice from a Financial Counsellor.

This is a free service with dedicated people in each state that will work with you to understand your circumstances and help with next steps.

Contact the National Debt Helpline on 1800 007 007 for a free, independent financial counselling service.

Salvation Army Doorways Program

Are you finding your finances are getting tight? Investigating all your financial options and taking action early is important in achieving your future goals.

This program is a joint initiative between us and the Salvation Army building on our relationship of working together to support the community.

Take action early and find out more.