About the Financial Wellbeing and Capability Activity
The Australian Government funds community organisations to support eligible individuals and families in financial crises.
The Financial Wellbeing and Capability Activity:
- provides tools for vulnerable people and those most at risk of financial, social exclusion and disadvantage
- helps people deal with their debt
- empowers people to look after their money and become financially resilient and independent.
Services are free, voluntary and confidential.
Services to help with crises
Financial Wellbeing and Capability Activity services can help individuals experiencing financial distress.
If you’re in a financial crisis you can access emergency relief. It’s free and there are no citizenship or residency requirements.
Find your nearest Emergency Relief service provider(Opens in a new tab/window).
Grant Opportunities open for the Financial Wellbeing and Capability Activity
Grant opportunities for programs delivered through the Financial Wellbeing and Capability (FWC) Activity are now open for application, for new 5-year grants from 1 July 2025 to 30 June 2030.
Grant opportunities for the following programs are available at GrantConnect(Opens in a new tab/window):
- Emergency Relief(Opens in a new tab/window)
- Food Relief(Opens in a new tab/window) (and Material Aid)
- Commonwealth Financial Counselling and Financial Capability(Opens in a new tab/window)
- Financial Wellbeing Hubs(Opens in a new tab/window) (formerly Money Support Hubs)
- Financial Counselling for Gambling(Opens in a new tab/window)
- National Debt Helpline(Opens in a new tab/window) (for invited organisations only).
Email support@communitygrants.gov.au or phone 1800 020 283 for more information. Questions and answers will be formally recorded and published on GrantConnect(Opens in a new tab/window).
Services to help with managing money
Financial Wellbeing and Capability Activity services can help with managing money:
- financial counselling – help to work through financial problems
- financial education – help to make informed choices
- financial services – help to apply for products such no interest loans or matched savings.
Get support with managing your money now
If you need support with debt management, you can get it now.
Talk with a financial counsellor:
- visit the National Debt Helpline(Opens in a new tab/window) website
- call 1800 007 007 (charges may apply)
You can find a financial counselling service at Moneysmart Financial Counselling(Opens in a new tab/window).
Financial counselling services
Loans and savings services
Our work with First Nations peoples
The National Agreement on Closing the Gap is underpinned by the belief that when Aboriginal and Torres Strait Islander people have a genuine say in the design and delivery of policies, programs and services that affect them, better life outcomes are achieved.
We are working to embed the Closing the Gap Priority Reforms into the design and delivery of Financial Wellbeing and Capability programs. We will consider these reforms in the context of future grant rounds.
Many organisations funded under the Financial Wellbeing and Capability Activity have Reconciliation Action Plans in place. We encourage organisations funded under the Financial Wellbeing and Capability Activity to provide a copy of their Reconciliation Action Plan (or equivalent) to their Funding Arrangement Manager.
These plans demonstrate organisations' commitment to Indigenous client service delivery and provide evidence to support the closing the gap commitments.
Learn more about how we are closing the gap.
Updates
Find updates about supporting people in financial crisis.