We're here to help
We understand that during hard times you may need more than financial support. You may need help taking care of the other things going on in your life that are causing money troubles.
It takes courage to talk about your circumstances, however help is available. We’ll work with you to find the best possible support.
We have trusted partners that we can connect you with for more support if you’re experiencing unemployment, domestic and family violence, financial abuse, elder abuse or mental health issues.
Safe and confidential help if you’re experiencing violence at home.
Support if someone is using money to harm or control you.
Financial assistance and support
If you’re struggling with your finances, it’s important that you reach out to us as soon as you can.
To learn more, visit Financial assistance
Assistance with missed payments
If you’ve recently missed a payment or think you might miss an upcoming one, please contact us as soon as possible, so we can work with you to find a solution.
1300 662 030
Mon – Fri 8am – 8pm and Sat 9am – 1pm
Ongoing financial difficulty support
Contact us for tailored assistance if your circumstances have changed and are affecting your ability to keep up with payments over time.
You can request assistance by completing an Online Hardship Application Form, or calling us on:
1800 133 397
Mon – Fri 8am – 8pm and Sat 9am – 1pm
Free, independent and confidential financial counselling
Financial counsellors offer free, independent and confidential advice to help you better manage your money and get you back on track.
A financial counsellor may be able to speak directly with NAB and other lenders on your behalf, so you don’t have to manage conversations with multiple banks or service providers yourself.
Visit National Debt Helpline, or call 1800 007 007.
Extra Care support
What is Extra Care?
Extra Care is the dedicated support that we can provide when you’re experiencing challenging personal circumstances.
Anyone can find themselves needing extra care. Whether you’re dealing with mental health challenges, unemployment, domestic and family violence, financial abuse or other personal difficulties, we’re here to help.
Reaching out is free and confidential. It won’t affect your banking with us and is a step towards getting the help you need. In some cases, we may connect you with trusted referral partners to help you get the support that’s right for you.
We can work with you to understand your situation and consider which form of extra care support may be available, depending on your circumstances.
Call our dedicated team on 1300 824 944 Monday to Friday, 8am to 7pm (AEST/AEDT).
Indigenous Customer support
We have a dedicated Indigenous Customer Service line to help Aboriginal and Torres Strait Islander customers, particularly those living in remote locations.
Call 1800 956 746 Monday to Friday, 8:00am to 7:00pm (AEST/AEDT), or if you prefer to speak in an Indigenous language, we have an interpreter service that may speak your preferred language. Ask us about this service during your phone call.
Customer Care Kit
Explore our comprehensive guide to community support services available to you.
Free counselling service
Kogan Money Credit Card customers have access to TELUS Health for free confidential coaching and support across physical, mental, social, professional, and financial wellbeing.
Call 1300 574 759 to book an appointment.
External Support
Below are external providers that can provide support for a wide range of life circumstances, no matter where in Australia you are.
Ask Izzy is an A-Z directory of community support services. These include emergency housing, meals, money, legal advice, domestic and family violence support and more.
Good Shepherd Australia offers No Interest Loan Scheme (NILs) to help eligible customers access essential goods and services.
Services Australia provide essential government payments and services to support individuals and communities.
MoneySmart is an Australian Government initiative that provides free tools, tips and guidance to help Australians take control of their money.
Salvation Army provides a wide range of safe and accessible support, from aged care to finding employment and much more.
St Vincent de Paul Society provides urgent crisis assistance as well as a wide range of ongoing support services.
External Support
1800RESPECT supports anyone at risk of or impacted by sexual assault, domestic or family violence.
Victim-survivors may be eligible for a Centrelink Crisis Payment if they apply soon after leaving a domestic and family violence situation.
Relationships Australia is a community-based, not-for-profit organisation that provides counselling, dispute resolution and support to help people build positive, respectful relationships.
- Australian Red Cross Emergency Relief
Provides a small, one-off emergency relief payment to people on temporary visas who have little or no income and are not eligible for Centrelink assistance. - National Elder Abuse Helpline (1800 ELDER HELP)
If you or someone you know is at risk of elder abuse, call the National Elder Abuse Helpline (1800 ELDER HELP) to connect with your state service.
- WESNET
WESNET is Australia’s national women’s advocacy body, supporting women and children affected by family violence through programs like Safe Connections. - Centre for Women’s Economic Safety(CWES)
The Centre for Women’s Economic Safety (CWES) supports women who are experiencing, recovering from or at risk of economic abuse within the context of domestic and family violence.
- Salvation Army Financial Assistance
If you’re struggling with money, Salvation Army Financial Assistance provides support to help you manage debt, pay rent, and afford essentials so you can get back on your feet. - Mob Strong Debt Help
A free nationwide legal advice and financial counselling service for Aboriginal and Torres Strait Islander people. - Centrelink Payment and Service Finder
A tool to see what government payments or services you may be eligible for. - Way Forward
Way Forward is a free, not for profit charity that helps people who are struggling with debt. It works directly with creditors to put in place affordable debt management plans. People make one payment to Way Forward which is then distributed to creditors. - Credit Smart
Credit Smart is an online resource from the Australian Retail Credit Association that helps you understand credit reporting and manage your credit information.
- Fitted For Work
For women, non-binary and gender-diverse people looking for assistance with work preparation support. - Workforce Australia
Workforce Australia is an Australian Government platform that helps people find jobs and access career resources. - Myfuture
Myfuture is an online resource designed by Education Services Australia to help shape your future and make the right career decisions. - Fair Work Ombudsman
Visit Fair Work to learn about your workplace rights, pay and entitlements in Australia.
Life and health support
Lifeline provides all Australians experiencing a personal crisis with access to 24-hour crisis support and suicide prevention services.
Beyond Blue is a not-for-profit charity organisation that provides information and support to help everyone in Australia achieve their best possible mental health.
Headspace provides free online and telephone support and counselling to young people 12 -25 and their families and friends.
- Medicare Mental Health
Medicare Mental Health is an Australian Government initiative that connects you to apps, online programs, forums and phone services for mental health support and wellbeing resources. - RUOK
RUOK is a suicide prevention charity that aims to inspire and empower everyone to meaningfully connect with the people around them and start a conversation with anyone who may be struggling. - Butterfly National Helpline
Butterfly National Helpline offers free and confidential support for anyone with concerns about eating disorders or body image issues. - Perinatal Anxiety & Depression Australia (PANDA)
PANDA supports families affected by anxiety and depression during pregnancy and early parenthood, and runs Australia’s only National Helpline for perinatal mental health. - Thirrili – National Indigenous Critical Response Service (NICRS)
Thirrili provides emotional and practical support to families impacted by a loss from suicide or other fatal traumatic incidents. - Suicide Callback Service
Suicide Line Victoria is a free, 24/7 counselling service available by phone, video, or online, offering professional support to people at risk of suicide, those worried about someone else and individuals bereaved by suicide. - Services Australia – Health and disability
Find out how to access Medicare and low-cost health services, get disability or carer support and learn what to do after a loved one dies.
- My Aged Care
My Aged Care is the Australian Government’s starting point to plan for someone’s aged care journey. It locates government funded services for help around the house or aged care homes. - Older Person Advocacy Network (OPAN)
OPAN is a free service that helps older people and their representatives resolve issues with Commonwealth-funded aged care. It provides advocacy, information and education. - National Dementia Helpline
The National Dementia Helpline offers counselling, support and practical advice for people with dementia, their families and carers. They provide up-to-date information and connect you to other services. - Services Australia – Aging
Payments, services and support for older Australians and those who care for them.
- Services Australia – Health and disability
Find out how to access Medicare and low-cost health services, get disability or carer support and learn what to do after a loved one dies. - The National Disability and Neglect Hotline
The National Disability and Neglect Hotline is a free, independent and confidential service for reporting abuse or neglect of people with disability. - Disability Gateway
The disability gateway helps all people with disability, their families and carers find the information, services and support they need. - Scope Australia
Scope is one of the largest not-for-profit disability service providers in Australia, providing a wide range of disability support services to people with complex intellectual, physical and multiple disabilities.
- Griefline
Griefline is Australia’s only dedicated grief helpline service that provides counselling support services free of charge to individuals and families. - Services Australia – Death
Services Australia offers bereavement support, which may include additional or continued payments depending on the assistance received by the deceased or next of kin.
- Pregnancy, Birth and Baby
Pregnancy, Birth and Baby supports parents from pregnancy to preschool, offering expert advice from maternal health nurses and guidance on pregnancy, birth and raising children. - Perinatal Anxiety & Depression Australia (PANDA)
PANDA supports families affected by anxiety and depression during pregnancy and early parenthood and runs Australia’s only National Helpline. - Kids Helpline
Kids Helpline offers free, confidential 24/7 phone and online counselling for young people aged 5–25, with helpful resources for parents on its website. - Relationships Australia
Relationships Australia is a community-based, not-for-profit organisation that provides counselling, dispute resolution and support to help people build positive, respectful relationships. - Family Relationship Advice Line
Family Relationship Advice Line is a national telephone service that helps families affected by relationship or separation issues, including information on parenting arrangements after separation.
Community Support
UnitingCare Australia is a national network of community services providing support and advocacy for children, families, older people and those in need across Australia
Community Legal Centres Australia (CLCS) is an independent, not-for-profit, community-based organisation that provides free general legal assistance from more than 170 centres across Australia.
Social Work Services is an Australian Government department that provides social work services and support for people going through difficult times.
- Mob Strong Debt Help
A free nationwide legal advice and financial counselling service for Aboriginal and Torres Strait Islander people. - Centrelink Indigenous Call Centre
Offers culturally safe support for Centrelink payment and service inquiries. - IDCARE
Dedicated support for customers who have had their identities stolen. - First Nations Foundation – My Money Dream
An award-winning online financial literacy training program created by and for First Nations Australians. - Indigenous Business Australia (IBA)
Supports wealth creation through business development, home ownership, investment and capacity-building. - Local Aboriginal Land Councils / Financial Counsellors
Community-level support, tailored advice, grants, locally specific programs and culturally safe engagement through trusted local networks. - Thirrilli – National Indigenous Critical Response Service (NICRS)
Thirrili provides emotional and practical support to families impacted by a loss from suicide or other fatal traumatic incidents.
- National Gambling Helpline
National Gambling Helpline can provide support for anyone affected by gambling. Free, confidential and available 24/7. - Register with Betstop
BetStop, the National Self-Exclusion Register™, is a free Australian Government initiative that lets you block yourself from all licensed Australian online and phone gambling providers. You can register at any time. - Directline
Directline connects you to your state or territory’s Alcohol and Drug Information Service, offering free, confidential advice and guidance to link you with the most suitable support. - National Alcohol & Other Drug Hotline
The National Alcohol & Other Drug Hotline offers a free, confidential phone service providing counselling, guidance and information to support individuals facing addiction.
- Preparing for Prison – National Debt Helpline
Find out how to financially prepare before you go to prison. - Support when you leave prison – Housing – Services Australia
Find out how to get government support services and payments when you leave prison.
- LGBTQIA+ support services
Peer support, counselling and community connections are available people who are same-gender attracted, gender diverse and/or questioning their sexuality or gender identity. - QLife
Anonymous and free LGBTIQA+ peer support available on the phone and webchat, for people wanting to talk about sexuality, identity, gender, bodies, feelings or relationships.
- Mensline Australia
MensLine Australia is a telephone and online counselling service for men with family and relationship concerns. Support focuses on depression, anger and stress. - Men’s Referral Service
Men’s Referral Service is the central point of contact for men taking responsibility for their violent behaviour. Telephone counselling is available. - White Ribbon
White Ribbon provides an opportunity for men to discuss the complexities that influence attitudes and behaviours that contribute to violence against women, such as their violent behaviour.
- Services Australia – Moving to Australia
Support is available for visitors, migrants, refugees, newly arrived residents and asylum seekers living in Australia. - Australian Red Cross Emergency Relief
Funding to provide a small, one-off emergency relief payment to people on temporary visas who have little or no income and are not eligible for Centrelink assistance. - Refugee Advice & Casework Service
Advocacy and legal advice available for refugees and asylum seekers.
- The Bureau of Meteorology (BoM)
Get the most up-to-date weather forecasts, warnings and alerts. - Red Cross – How to prepare an emergency plan
Find out how to prepare for an emergency.
- Rural Financial Counselling Service (RFCS)
The Rural Financial Counselling Service offers free support and referrals for farmers, fishers, forest growers and related small businesses facing financial hardship.