We understand that life can take unexpected turns and leave you in a vulnerable financial position. If you're finding your loan or credit card repayments difficult to make, we may be able to offer assistance when you need it most.
If you want to pay your bills but don’t have the money to do so, you may be in financial hardship.
Common events contributing to financial difficulty may include:
Financial hardship is more common than you might think. If you're finding things tough, please reach out to us.
We have a Customer Care team, who specialise in working with you if you’re finding things tough financially. We’ll talk you through your circumstances to understand what options are available to help improve your situation.
Our priority is to help you get up to date with your payments and back on track. The sooner you talk to us, the better.
Even if you're not in financial hardship, but you’ve missed or think you may miss a payment, you can call NAB Assist on 1300 135 323.
If you're seeking assistance for your small business, you can call Small Business Assist on 1300 881 661.
We’ll need details about:
There are several ways to get financial hardship assistance:
Customer Care
GPO BOX 4963
Melbourne
Vic 3001
In the life of a small business, there’s always going to be ups and downs. When difficulties arise, we’re here to help. We’ll take a look at your current position and suggest ways to move forward so you can get your business back to operating at its best.
If you’d like to apply for financial assistance:
Customer Care Small Business
GPO BOX 4963WW
Melbourne
Vic 3001
Most of the time, we can process your application over the phone. Occasionally we’ll need you to provide supporting documentation. If this is the case, please allow up to 21 days for us to process your request.
We’ll work out a payment arrangement that is individual to you. While you’re on a payment plan, interest and fees (excluding late payment fees) continue to apply.
The amount you normally pay, may be adjusted temporarily to a lower amount. We’ll explain this to you when we’re discussing your situation.
It’s important to remember that reducing the amount you currently pay will require you to make up the difference in the future. We’ll work with you to catch up these payments over time. If you can’t make a payment that we’ve agreed to, or you need to change your arrangement, it’s important that you call us on 1800 701 599 (or 1300 961 577 for small business) and let us know.
If you’re not satisfied with the financial difficulty assistance we’ve provided, you can contact our NAB Resolve team. They’re here to listen to your feedback and help you work through difficult issues.
National Australia Bank
General Manager, NAB Resolve
Reply Paid 2870
Melbourne
Vic 8060
If you still feel like you haven’t been heard, then you can contact the Financial Ombudsman Service.
It's important that you have spoken to NAB Resolve first as the Ombudsman will encourage you to work with us before they look at your case.
Assistance is out there. See here for organisations who can help you get back on your feet in difficult times.
You might want to think about insurance to help protect you against unforeseen events in the future. We have different types of insurance to suit your needs.
We have a range of calculators and planning tools that can help you plan your financial future.
Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)
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