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Free help with money in Australia

This page lists official places to get help with budgeting, banking, credit, debt, tax and benefits in Australia. Every service here is run by government, a regulator or an ombudsman, or is government-funded, and is free to use.

Official and freeLast reviewed October 2026

Other countries: United States · United Kingdom · Canada

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Everyday money and banking

  • MoneysmartThe Australian Government’s free money website, run by ASIC, the financial services and consumer credit regulator: calculators, a budget planner, and guidance on banking, loans and debt, and scams.moneysmart.gov.au
  • Financial Claims Scheme (APRA)An Australian Government scheme that protects deposits with Australian banks, building societies and credit unions if one fails. You don’t apply or pay for it.www.apra.gov.au/financial-claims-scheme

Borrowing and debt help

  • National Debt HelplineFree, independent and confidential financial counselling by phone and online, with step-by-step guides. Funded by the Australian Government’s Department of Social Services and state governments.ndh.org.au
  • Search ASIC registersCheck whether a person or business is licensed or registered with ASIC to provide a financial service, such as credit, before you deal with them.www.asic.gov.au/online-services/search-asic-registers

Tax and benefits

  • myGovThe Australian Government’s free online account for using services such as the Australian Taxation Office, Centrelink and Medicare in one place.my.gov.au
  • Find government payments and services (myGov)A free government guide to payments and services for life events such as raising kids, work, study and ageing.my.gov.au/en/services
  • Tax OmbudsmanInvestigates and helps resolve complaints about the Australian Taxation Office and the Tax Practitioners Board, independently and free of charge.taxombudsman.gov.au

Scams, identity theft and complaints

  • Fraud and your credit report (OAIC)If you think someone has used your identity, explains how to ask credit reporting bodies to place a ban on your credit report.www.oaic.gov.au/privacy/your-privacy-rights/credit-reporting/fraud-and-your-credit-report
  • Privacy complaints (OAIC)How to complain, free, to the Information Commissioner if an organization or agency has mishandled your personal information.www.oaic.gov.au/privacy/privacy-complaints
  • Reporting misconduct to ASICHow to report suspected misconduct by financial firms to the regulator. ASIC uses reports to find problems but does not resolve individual disputes.www.asic.gov.au/about-asic/contact-us/reporting-misconduct-to-asic

Checked

Every link, opened.

Each page linked here was opened and checked on 19 October 2026. Services change: if a link no longer says what we describe, the official page is right. Tell us at hello@moraph.org.

Last reviewed October 2026

  1. moneysmart.gov.au
  2. www.apra.gov.au/financial-claims-scheme
  3. www.oaic.gov.au/privacy/your-privacy-rights/credit-reporting
  4. www.oaic.gov.au/privacy/your-privacy-rights/credit-reporting/correct-your-credit-report
  5. ndh.org.au
  6. www.asic.gov.au/online-services/search-asic-registers
  7. my.gov.au
  8. my.gov.au/en/services
  9. taxombudsman.gov.au
  10. www.oaic.gov.au/privacy/your-privacy-rights/credit-reporting/fraud-and-your-credit-report
  11. www.oaic.gov.au/privacy/privacy-complaints
  12. www.asic.gov.au/about-asic/contact-us/reporting-misconduct-to-asic

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