Free independent help and advice

Free help and advice for your money matters.

Organisations that can help you, including your national government:

PayPlan logo

PayPlan – Free debt advice and support

  • Free, confidential debt advice  
  • A personalised action plan for your money 
  • Help available online or by phone

Call: 0800 280 2816

Lines open Mon-Fri 8am-8pm and Sat 9am-3pm

Go to PayPlan

StepChange logo

StepChange Debt Charity

  • Free, impartial advice to help you get back on track 
  • A wide range of debt solutions 
  • Support online 24/7 or by phone

Call: 0800 138 1111

Lines open Mon-Fri 8am-8pm and Sat 8am-4pm

Go to StepChange

National Debtline logo

National Debtline

  • Free, confidential debt advice 
  • Guides, fact sheets, budgeting tools and sample letters 
  • Advice via phone and online

Call: 0808 808 4000

Lines open Mon-Fri 9am-8pm and Sat 9.30am-1pm

Go to National Debtline

Turn2Us logo

Turn2Us – Financial support charity

  • Find the right help for your situation   
  • Search for funds, grants and benefits 
  • Speak to an adviser in your local area 

Call: 0808 802 2000

Lines open Mon-Fri 9am-5pm 

Go to Turn2Us

MoneyHelper logo

Guidance from MoneyHelper

  • Government-backed with straightforward advice and guidance 
  • Information on benefits, tax, pensions, homes and savings 
  • Try their handy money tools and calculators 

Call: 0800 138 7777 for money guidance or 0800 011 3797 for pensions guidance.

Lines open Mon-Fri 8am-6pm

Go to MoneyHelper

Citizens Advice logo

Help from Citizens Advice

  • Free advice on a range of topics, including benefits, debt, housing and consumer rights
  • Help with managing your money
  • Practical and impartial support online, in person or over the phone

Call: 0800 144 8848 or 0800 702 2020 if you’re in Wales.

Lines open Mon-Fri 9am-5pm 

Go to Citizens Advice

Mental Health and Money Advice logo

Mental Health and Money Advice

  • Clear, practical advice and support for people experiencing mental health and money worries
  • Specialist knowledge of benefits, managing money and mental health care
  • Award-winning UK-wide online advice service

Visit Mental Health & Money Advice

Shelter logo

Shelter - Housing Charity

  • Provides those struggling with bad housing or homelessness the help they need, through their advice, support and legal services
  • Help with money and debts 
  • Talk to someone online or by phone   

Contact Shelter using their online support page

Visit Shelter

We are digital logo

We Are Digital – Free help on how to use the Internet

  • Free one to one training over the phone 
  • Topics include; Online Banking, online food shopping, booking a doctor’s appointment, using a website, staying in touch with friends and family through video calls, and more

Call: 0345 222 0333

Lines open Mon-Fri 9am-5pm

Those who are Deaf and use British Sign Language (BSL) can book a session using BSL SignVideo. Available on Safari, Chrome or Firefox web browsers. 

Customers who have hearing loss or a speech impairment can use the service through Relay UK.

Support from your government

Your national government are able to provide help and guidance on a range of benefits and housing options that you may be eligible for: logo


If you’re in financial difficulties, you can get help and advice from the government and local councils.

Get help now

NI Direct logo


The Finance Support Service supports people who live in Northern Ireland and need short-term financial help.

Get help now

Scottish government logo


There is free independent support and advice funded by the Scottish government.

Get help now

Welsh government logo


The Welsh government may be able support you with information on benefits you may be eligible for.

Get help now

Remember, we’ll never get in touch to ask you to move money to another account, for your banking details or to take control of a computer. The organisations listed on this page won’t do this either.