We’re here to help – see how we can lend support during the COVID-19 crisis.

What is financial hardship?

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:

  • injury or illness
  • unemployment
  • relationship separation
  • domestic violence/financial abuse
  • natural disaster
  • reduction of income
  • gambling.

Financial hardship is more common than you might think. If you're finding things tough, please reach out to us.

How can we help?

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.

If your query relates to gambling, our team can talk you through options available, including NAB’s gambling restriction option on personal NAB Visa Credit and Debit Cards.

What you need before you start

We’ll need details about:

  • your account information
  • your situation
To make sure your application is processed quickly, complete the form as accurately as you can.

How to apply

There are several ways to get financial hardship assistance:

Customer Care

GPO BOX 4963


Vic 3001

Hardship for small business

Financial hardship in business is more common than you might think. It’s caused by anything from staffing challenges and cash flow issues to personal injury or illness. If you're finding things tough and are struggling to see how you can make repayments, the sooner you talk to us the better.

If you think you might miss a payment and would like to talk to someone about your options, please call NAB Assist on 1300 881 661.

How to apply for financial hardship assistance

There are several ways to apply:

Customer Care


Melbourne, Vic 3001

What happens next?

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.

Customer Care

Assistance is out there. See here for organisations who can help you get back on your feet in difficult times.

Insurance for an uncertain future

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.

Calculators and tools

We have a range of calculators and planning tools that can help you plan your financial future.

People also read

We're ready to help you

Talk to an expert
Call us