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Financial hardship assistance

We understand that when you’re experiencing financial difficulties it can be overwhelming. We may be able to provide financial hardship assistance, to help you through difficult times.

Help and advice when you need it most

Hardship can affect people in different ways. 

If you’re worried about your situation, it’s important to talk to us early – don’t wait until you are in financial trouble if you can see it coming.

We’ll work with you and give you information and support that may help you get back on track. 

Am I in financial hardship?

Do any of these apply to you? 

  • Have you lost your job recently?
  • Have you recently experienced a reduction in income?
  • Have you suffered an illness or injury that has affected your ability to earn?
  • Has a relationship breakdown made it difficult for you to meet your financial commitments?
  • Has a natural disaster affected your income or household situation?
  • Have you recently experienced an unforeseen significant event that affects your finances?

Yes - I am in financial hardship

If you have answered yes to any of these situations, and you are an existing ANZ customer, we may be able to help.

Financial hardship assistance

If you have a loan, credit card or overdraft with us, and you are either experiencing or are about to experience financial hardship, we may be able to help you get your finances under control.

How we might help:

  • Short term loan repayment relief (up to 90 days)
  • Restructuring your home loan or personal loans

If you have a question or you’d rather speak to someone, call us.

0800 240 438

Monday – Friday, 8.30am – 8pm

Weekends, 9am - 5pm

KiwiSaver early withdrawal

It's important to explore other options before applying to withdraw your KiwiSaver savings.

The KiwiSaver early withdrawal for significant financial hardship is separate to the support offered through Financial Hardship assistance. Our dedicated KiwiSaver team will be able to support you through the withdrawal process, if you are eligible.

Significant financial hardship withdrawal

Check your eligibility and apply

If you have a question or you'd rather speak to our dedicated KiwiSaver team, call us.

0800 736 034

Monday – Friday, 8am – 6pm

No - but I'm having financial difficulties


If none of the situations above apply to you, but you are still having financial difficulties, we may still be able to help.

Contact us to talk through your options

Call 0800 269 296

7 days a week, 6am - 12 midnight