Financial Hardship.

We're here when you need us most.

Financial Hardship. We're here when you need us most.

Citi understands that you may experience a sudden change in your life causing financial hardship.

We are here to understand your situation and tailor our solutions to best suit your individual needs.

So whether your situation is caused by unemployment, injury or illness, divorce, a natural disaster or an unexpected reduction in your income, we are here to help you get back on track.

Call Debt Management Solutions

Hardship Assistance

Phone: 1800 722 879 1800 722 879 (Citi and Cuscal)
Mail: PO BOX 3453 Sydney NSW 2001

Operating hours for contact number 9am-9pm, Monday - Friday (AEST) except public holidays

Select option 1 for Credit Cards, Ready Credit and Loans

Select option 2 for Mortgages

Supporting You

We are able to customise solutions based on your individual circumstances. We may be able to provide you:

  • Payment variations
  • Reduced payment plans
  • Reduced settlements

The first step is for you to provide us with detailed information about your current financial situation. You can do this by filling out a Personal Financial Summary form and sending it with supporting documentation to us at this address

Shared Services
Citibank Australia
PO Box 3453
Sydney NSW 2001

or Document Upload: Here

Or email it to by attaching it in a pdf or image format.

You may call our Debt Management Solutions team on 1800 722 879 1800 722 879 from 9am-9pm, Monday - Friday (AEST) except public holidays, and we can help you complete the Personal Financial Summary (PFS) form over the phone and advise you what solutions we can offer and any next steps you may need to take. The sooner we have your completed PFS form the sooner we can assess your needs. In order to provide assistance, we may also require one primary and one secondary supporting document. The types of documents we may require are set out below.

If you have difficulty with providing supporting documents, you can discuss this with our Debt Management Solutions team and we may be able to provide alternate solutions.

Reason for Hardship Please print in the letter
Medical Conditions
  • Primary Documents
    • Doctors Certificate or
    • Medical report or
    • Centrelink Disability Statement or
    • Work Cover Certificate or
    • Hospital Report or
    • Copy of medical related bill(s)
Reduction In Income
  • Primary Documents
    • Current payslip or
    • Payslip prior to income reduction or
    • Centrelink Statement or
    • Current year and prior years tax return or
    • Letter from Accountant confirming income reduction
Unemployment / Redundancy
  • Primary Documents
    • Centrelink Statement or
    • Separation certificate from employer
Divorce / Separation
  • Primary Documents
    • Court documents supporting divorce or
    • Letter from solicitor
Property Settlement / Pending funds
  • Primary Documents
    • Copy of Contract of Sale or
    • Letter from Real Estate verifying property has sold / is on the market or
    • Copy of property advertisement
  • Primary Documents
    • Letter from solicitor confirming incarceration, and length of incarceration or
    • Police or Court report confirming incarceration or
    • Letter from a Justice of Peace confirming incarceration, and length of incarceration
Unexpected Expenses / Overcommitment
  • Primary Documents
    • Statements from other debtors reflecting balance and Min due or
    • Copy of unexpected bill(s) or
    • Copy of current payslip
Consolidation / Refinance
  • Primary Documents
    • Copy of finance approval or pre-approval letter
Loss of Rental Income
  • Primary Documents
    • Letter from Real estate agent confirming recent rent income loss
Death in Family
  • Primary Documents
    • Copy of expenses incurred (e.g. funeral costs)
Natural Disaster
  • Primary Documents
    • No documents required

Please provide any other additional documentation you feel supports your application for financial hardship.

We may ask for further supporting documentation depending on your circumstances.

After we receive your application, our Debt Management Solutions team will assess your application to determine eligibility and solutions, and will contact you to discuss the next steps.

During this time, if your circumstances change or you want to discuss your application you can contact our Debt Management Solutions team on 1800 722 879 1800 722 879 from 9am-9pm, Monday - Friday (AEST) except public holidays.

Outside support

You can get free independent counselling and advice from a Financial Counsellor.

For a comprehensive listing of Financial Counsellors please visit the FCA website:

To talk to a Financial Counsellor by phone (or for referral) ring 1800 007 007 1800 007 007 from anywhere in Australia.

You can also access their self help website

You can also get information from the following websites:



For financial counsellors

Contact Debt Management Solutions 1800 100 823 1800 100 823

9am-5pm, Monday - Friday (AEST) except public holidays


View the Statement of Financial Position Form (Adobe PDF, 53KB)

Supporting the community

Citi supporting the community

Citi has a long term commitment to Australia and supports the community through programs that have a sustainable impact in the communities in which we live and work.

We have three primary areas of focus; financial education, environment and education for disadvantaged youth.

Through each of these focus areas Citi provides financial support as well as opportunities for employee involvement.

  • Use Credit Wisely.