Moneysmart (ASIC)
Moneysmart is ASIC's free consumer website offering independent guidance on money, debt and credit. It is a widely used starting point for people facing financial difficulty.
In this profile
- What Moneysmart is and who runs it
- How its guidance supports people in debt
- When to use Moneysmart's tools and information
- Why independent guidance helps with credit decisions
- Where to find Moneysmart online
7 min read
Who they are
Moneysmart is the free consumer guidance service run by ASIC. It provides independent, plain-language information and tools to help Australians manage money, debt and credit, and make informed financial decisions.
As a government service, it is a trusted, advertising-free reference point rather than a product seller. It is available at moneysmart.gov.au.
What they do
Moneysmart publishes guidance on budgeting, loans, credit, debt and dealing with hardship, along with practical calculators and tools. It also signposts where to get free help, such as financial counselling, for people under pressure.
- Plain-language guidance on debt, credit and budgeting
- Calculators and planning tools
- Information on hardship and how to seek help
- Links to free financial counselling services
When to contact them
Use Moneysmart when you want independent information before making a financial decision, are trying to understand options for managing debt, or need to find free help. It is an information service, so it does not handle complaints, hold accounts or recover debts.
For a dispute with a lender, the firm and external dispute resolution remain the usual avenues.
Relevance to debt & credit
Because Moneysmart focuses squarely on consumer money topics, it is one of the most directly relevant resources for someone dealing with debt or considering credit. Its guidance complements the more general explainers in the Merion directory, helping readers approach decisions with clearer information.
How to reach them
Moneysmart is primarily an online service. Visit moneysmart.gov.au for its current tools and guidance, and check the official website for current details.
Key takeaways
- Moneysmart is ASIC's free consumer guidance service on money and debt.
- It offers plain-language information, tools and links to free help.
- It does not handle complaints or recover debts.
- Find it at moneysmart.gov.au.
Frequently asked questions
Is Moneysmart free to use?
Yes. Moneysmart is a free, government-run consumer service from ASIC, with no advertising or product sales. Access it at moneysmart.gov.au. This is general information only.
Can Moneysmart sort out a problem with my lender?
No. Moneysmart provides information and tools, not dispute resolution. A complaint about a lender goes to the firm and then to external dispute resolution.
Does Moneysmart connect me to financial counselling?
Moneysmart signposts where to find free financial counselling and other help. Details and links are available at moneysmart.gov.au.
This is general information, not legal or financial advice. Details can change — always confirm current contact details and processes on the organisation's official website.
Know who to turn to
A free, plain-English directory of the regulators, courts, schemes and services behind debt and credit in Australia.