Free help with money in the United Kingdom

This page lists official places to get help with banking, credit, debt, tax, benefits and scams in the UK. Every service here is run by government, a regulator, an ombudsman or a statutory body, and is free to use.

Official and freeLast reviewed October 2026

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Report Fraud. The UK’s national service for reporting fraud and cyber crime to the police, with advice on protecting yourself and getting support. In Scotland, report to Police Scotland on 101 instead. www.reportfraud.police.uk
Report internet scams and phishing (GOV.UK). Where to report a scam email, text, website or call straight away. www.gov.uk/report-suspicious-emails-websites-phishing

Everyday money and banking

Financial Conduct Authority: consumersFree information from the UK financial regulator on financial services, how to check a firm is authorised, how to complain and how to protect yourself from scams.www.fca.org.uk/consumers
Financial Services Compensation Scheme (FSCS)Protects savings and current accounts with UK-authorised banks, building societies and credit unions up to a limit if the firm fails. Set up by government and free to claim from.www.fscs.org.uk

Credit reports and debt help

Information Commissioner’s Office: creditFree guidance from the UK data protection regulator on credit reference agencies, your right to a free statutory credit report and what to do if information about you is wrong.ico.org.uk/for-the-public/credit
Options for dealing with your debts (GOV.UK)The government guide to ways of dealing with debt, from repayment plans to insolvency, and where to find free debt advice.www.gov.uk/options-for-dealing-with-your-debts
Breathing Space (Debt Respite Scheme)Explains how people in England and Wales can get temporary protection from creditors while they get debt advice.www.gov.uk/options-for-dealing-with-your-debts/breathing-space
Debt Relief Orders (GOV.UK)Explains who can apply for a Debt Relief Order, what it does and the rules that apply.www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders
The Insolvency ServiceThe government agency for bankruptcy and debt relief, with the Individual Insolvency Register and guidance on debt relief options.www.gov.uk/government/organisations/insolvency-service

Tax and benefits

Get help with tax (GOV.UK)How to get help from HMRC with tax returns, tax codes and paying tax, and where people on a low income may get free professional tax advice.www.gov.uk/tax-help
Self Assessment tax returns (GOV.UK)Explains who must send a Self Assessment tax return and how to file it.www.gov.uk/self-assessment-tax-returns
HMRC Self Assessment: general enquiriesFree ways to contact HMRC for help with Self Assessment, online or by phone.www.gov.uk/find-hmrc-contacts/self-assessment-general-enquiries
Check benefits and financial support you can getA free government tool to find benefits and other help with living costs you may be eligible for.www.gov.uk/check-benefits-financial-support
Benefits (GOV.UK)The government’s guide to benefits, including Universal Credit, how to claim and how to manage an existing claim.www.gov.uk/browse/benefits

Scams and complaints

Report FraudThe UK’s national service for reporting fraud and cyber crime to the police, with advice on protecting yourself and getting support. In Scotland, report to Police Scotland on 101 instead.www.reportfraud.police.uk
FCA: protect yourself from scamsFree guidance from the Financial Conduct Authority on the warning signs of investment, pension and other financial scams, and what to do if you have been scammed.www.fca.org.uk/consumers/protect-yourself-scams
Report internet scams and phishing (GOV.UK)How to report suspicious emails, text messages, websites and calls. Forwarding a scam text to 7726 is free.www.gov.uk/report-suspicious-emails-websites-phishing
National Cyber Security Centre: report a suspicious websiteThe government’s cyber security centre investigates websites you think are trying to scam you. Reporting is free.www.ncsc.gov.uk/section/about-this-website/report-scam-website
Financial Ombudsman ServiceSettles complaints between people and financial businesses when you can’t sort things out with the business first. The service is free.www.financial-ombudsman.org.uk

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

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