ASIC MoneySmart
Online financial guidance including tips on:
- managing your money
- borrowing and credit
- insurance
- superannuation and retirement
- investing
- scams and more
- life insurance policy searches
National Debt Helpline
Financial counsellors provide information, support and advocacy to people in financial difficulty. Their services are free, independent and confidential.
National Debt Helpline websiteTel: 1800 007 007
(9:30am - 4:30pm Monday to Friday)
Community Legal Centres
Community legal centres are independent, not-for-profit community organisations that provide legal and related services to the public, focusing on the disadvantaged and people with special needs.
To find your nearest community legal centre, visit: naclc.org.au/directoryCalculators and apps
MoneySmart offers financial calculators and tools including:
- budgeting and saving calculators
- mortgage calculators
- loans, credit and debt calculators
- investment calculators
- mobile calculator
Regulatory bodies
Australian Securities and Investments Commission (ASIC)
For inquiries and complaints relating to consumer protection matters in securities, futures, life insurance, general insurance, deposit-taking activities and the supervision of superannuation funds.
Tel: 1300 300 630
The ACCC promotes competition and fair trading and regulates national infrastructure to make markets work for everyone.
Tel: 1300 302 502
Insurance Law Service
Free legal service available to anyone in Australia who would like advice on insurance law or in resolving a dispute with an insurer. Advice, information and referral about:
- home and contents insurance
- consumer credit insurance
- income protection insurance
- life insurance
- travel insurance
- motor vehicle insurance
Tel: 1300 663 464
Consumer Credit Legal Centres
Community legal centres that provide specialised legal advice, advocacy and counselling in financial services, particularly consumer credit, banking and debt recovery.
ACT - Consumer Law Centre
Tel: (02) 6257 1788
NSW - Financial Rights Legal Centre
Tel: 1800 007 007
QLD - Caxton Legal Centre
Tel: (07) 3214 6333
SA - Consumer Credit Law Centre
Tel: (08) 8342 1800
TAS - Consumer Credit Hotline
Tel: 1800 232 500
VIC - Consumer Action Law Centre
Tel: 1800 466 477
Tel: (08) 9221 7066
Consumer Affairs
If you have a problem that relates to consumer affairs or fair trading, contact your state or territory body:
ACT: Access Canberra | 13 22 81NSW: NSW Fair Trading | 13 32 20
NT: NT Consumer Affairs | 1800 019 319
QLD: Office of Fair Trading Queensland | 13 74 68
SA: SA Office of Consumer and Business Services (CBS) | 131 882
TAS: Tasmanian Consumer Affairs & Fair Trading | 1300 65 44 99
VIC: Consumer Affairs Victoria (CAV) | 1300 55 81 81
WA: WA Consumer Protection - Department Of Mines, Industry Regulation and Safety | 1300 304 054
Legal Aid Commissions
Legal Aid commissions provide services to disadvantaged clients in many areas of criminal, family and civil law, including free, confidential face-to-face legal advice and legal representation for eligible clients.
ACT - Legal Aid ACT
Tel: 1300 654 314
NSW - Legal Aid NSW
Tel: 1300 888 529
NT - NT Legal Aid Commission
Tel: 1800 019 343
QLD - Legal Aid Queensland
Tel: 1300 65 11 88
SA - Legal Services Commission SA
Tel: 1300 366 424
TAS - Legal Aid Commission of Tasmania
Tel: 1300 366 611
VIC - Victoria Legal Aid
Tel: 1300 792 387
Tel: 1300 650 579
Other ombudsman schemes
If you have a complaint that doesn’t relate to a member of FOS, one of the following national or state-based dispute resolution schemes may be able to help:
Credit & Investments Ombudsman (CIO): 1800 138 422
Superannuation Complaints Tribunal (SCT): 1300 884 114
Energy & Water Ombudsmen
NSW: 1800 246 545 website
QLD: 1800 662 837 website
SA: 1800 665 565 website
TAS: 1800 001 170 website (energy) website (water)
VIC: 1800 500 509 website
WA: 1800 754 004 website
Fair Work Ombudsman (Fair Work):
13 13 94
Telecommunications Industry Ombudsman (TIO): 1800 062 058
For complaints about Government agencies:Commonwealth Ombudsman (includes private health insurance)
State Ombudsmen: VIC, NSW, ACT, QLD, NT, WA, SA, TAS








