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2025 Grants Round
Applications will open 7 March 2025, for funding commencing July 2025.
You can Contact Us at any time. We are here to help!
If you are thinking of applying, we encourage you to speak with us in advance. The Grants Team is available to help, including providing feedback on your project idea and answering any questions you have.
See our 2024 grantees on our Projects Page.
Experiencing Financial Hardship
Welcome to ACCAN’s financial hardship portal. Here you can find useful information about what you can do if you are struggling to pay your bills.
Financial hardship happens when you are unable to meet repayment obligations for services that you’re using.
Since the introduction of the Financial Hardship Standard in March 2024, telcos must provide short term assistance to customers - and cannot ask for proof until a certain time has passed. For more information, consult ACCAN's Quick Guide to Financial Hardship Standard.
If you find yourself unable to pay a bill you will need to tell your service provider that you are experiencing financial hardship so that they can help you.
You can also talk to a financial counsellor for free and anonymous help.
Visit ‘How Can I Get Help’ to see the contact details for your service provider, and for more information about financial counsellors.
If you're finding it hard to pay your phone or internet bill, you are not the only one. Lots of people face unexpected circumstances at different times in their lives – like losing a job, having a relationship breakdown, becoming sick or even after bushfires, floods and cyclones.
The contact details of Optus, Vodafone and Telstra can be found on the Get Help page.
If you're having difficulty paying lots of bills at once, you can call a financial counsellor. Financial counsellors help you work through the issues and identify options. Their services are free and confidential. They can help you figure out what to do – how to organise your money, how to pay your bills, how to get the support you need. Even if you feel you are coping, a fresh set of eyes may help you sort things out more quickly, or identify other forms of assistance you weren't aware of.
You can phone a financial counsellor from anywhere in Australia by calling 1800 007 007 (minimum opening hours are 9.30 am – 4.30 pm Monday to Friday). This number will automatically switch through to the service in the State or Territory you are calling from.
Financial hardship happens when you are unable to meet repayment obligations for a service that you're using. Basically, you're finding it hard to pay one or more of your bills.
When people sign up to a plan or service, they're usually confident they'll be able to pay the bill. Unfortunately later, due to an unexpected event or circumstance, they are unable to pay anymore. In other cases, there are those that are unable to afford the bill from the beginning. These situations are all covered by the term 'financial hardship'.
If you find yourself unable to pay you will need to tell your telephone, mobile or internet provider you are experiencing "financial hardship". The company's customer service representative can then offer you the help you need.
The first thing that you should do if you are struggling to pay a bill is contact your service provider so you can discuss your options. Your provider can set up a payment plan for you, and while this is in place they will not report your debt to a Credit Reporting Agency.
Below are the contact details for some of the main service providers.
Contacting a financial counsellor
Call a financial counsellor for free on 1800 007 007
For more helpful information visit the website for Financial Counselling Australia’s National Debt Helpline.
How talking to a financial counsellor can help you
If you're having difficulty paying your bills, you can call a financial counsellor. Their services are free and confidential.
They can help you figure out:
- how to organise your money
- how to pay your bills
- how to get the support you need.
The TIO, Australian telcos and financial counsellors have worked together to develop best practice guidelines to assist telcos to help customers who are experiencing financial hardship.
The second edition of the guide, Responding to Customers in Financial Hardship: Principles and Practices for Telecommunications Providers, was published in May 2017.