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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.
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Centrelink Telephone Allowance
If you have a Pensioner Concession Card or Commonwealth Seniors Health Card, you might be eligible for the Government’s Telephone Allowance, as included in the Pensioner Supplement or Seniors Supplement.
You can read more information about whether you can get the Centrelink Telephone Allowance by clicking here.
Telstra Pensioner Discount
The Telstra Pensioner Discount provides eligible pensioner customers with a monthly call discount on their Telstra home phone service.
If you are eligible for the discount, you can also get free access to Call Control, a waiver on late payment fees, and fee-free payment options.
You can register by calling Telstra on 13 2200.
Telstra Disability Equipment Program
This program provides Telstra customers with products that make calling easier for people with disability. These products include phones with larger buttons, visual alerts, cochlear implant adaptors, and teletypewriters (TTY). If you are eligible you can rent the equipment for the same price as a normal phone handset.
For more information:
- Visit Telstra’s disability services page.
- Call the Telstra Disability Enquiry Hotline (Mon – Fri 8am – 5pm EST) on
- 1800 068 424 (voice)
- 1800 808 981 (TTY).
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Centrelink Telephone Allowance
If you have a Pensioner Concession Card or Commonwealth Seniors Health Card, you might be eligible for the Government’s Telephone Allowance, as included in the Pensioner Supplement or Seniors Supplement.
You can read more information about whether you can get the Centrelink Telephone Allowance by clicking here.
Telstra Pensioner Discount
The Telstra Pensioner Discount provides eligible pensioner customers with a monthly call discount on their Telstra home phone service.
If you are eligible for the discount, you can also get free access to Call Control, a waiver on late payment fees, and fee-free payment options.
You can register by calling Telstra on 13 2200.
Telstra Home Phone Essential package
The Telstra Home Phone Essential package is a cheaper home phone plan for eligible Telstra customers.
To be eligible you must hold an eligible Health Care Card or Pension Concession Card.
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If you are a Telstra customer you might benefit from the Telstra Access for Everyone Program.
The Access for Everyone program provides products and services to help people on a low income and people in financial hardship to stay connected to essential telecommunications services. Click on the link above to read more about what services and products might be available to you.
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You might be eligible to receive the Centrelink Telephone Allowance to help you pay for your phone and internet connection.
If you are eligible you can receive a payment from the Government of either $28.20 or $42.00 every three months.
You can read more information about whether you can get the Centrelink Telephone Allowance by clicking here.
How can I claim the Centrelink Telephone Allowance?
If the Centrelink Telephone Allowance is not already paid to you as a part of your Centrelink payments, and you would like to receive it, or if you are unsure whether you are eligible, you should contact Centrelink.
You can contact Centrelink:
- By phone (click to find the relevant phone number for you)
- By writing, emailing, or sending a fax (click for addresses and fax number)
- Or by visiting a Centrelink office. You can find the closest one to you on this page.
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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.
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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.
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.
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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.
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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.
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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.
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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.