As the cost of living rises, we expect that some of our customers will need extra support to help manage their money at this time. If you have unexpected bills or expenses, or you need immediate advice or support, we are here to help.

Onward’s dedicated Financial Inclusion Team can provide you with advice and help you to access emergency support. Please contact our Financial Inclusion Team for free and confidential advice on 0300 555 0600 or email

Onward Financial Inclusion Emergency Fund

In extreme cases of financial difficulty, we can provide help with essential items. This scheme is discretionary, so please speak to one of our Financial Inclusion Specialists for further information.

We can also provide support in accessing local grants, schemes or charities who offer free or affordable household items, including furniture packages. Please contact our Financial Inclusion Team on 0300 555 0600 or email to find out more.


Other help and support


The Trussell Trust supports a network of foodbanks that provide emergency food and support. You can find more information here.

Household Support Fund

The new Household Support Fund will be distributed by councils in England to directly help those who need it most. The grant will be allocated through small payments to support households in financial difficulty to meet daily needs such as food, clothing, and utilities.

To find out what’s available and how to apply for the fund in your area, click here for more information.

Discretionary Housing Payments

Discretionary Housing Payments (DHPs) can provide financial support to help with rent or housing costs. If you currently claim Housing Benefit or the housing element of Universal Credit and need more financial support with housing costs, you can apply for a DHP.

Local councils have their own application process for DHPs and will consider your circumstances to determine if you are eligible. You can find your local council here.

Council tax support

If you are on a low income, unemployed or in receipt of certain benefits you may be eligible for Council Tax Support. Find out what Council Tax Support is available in your area by contacting your local council.

Free school meals

Every child in reception, year one and year two can receive a free nutritious meal at school at lunch time.

Your child may also be able to receive free school meals if you are eligible for certain benefits.  You can find out more information and apply for free school meals through your local council.

Help with school uniform costs

Some councils will provide help with the cost of school uniforms. Find out what support may be available in your area by contacting your local council.

Help with childcare costs

Your child may be entitled to free childcare if you are in receipt of certain benefits. Find out what childcare support may be available in your area by contacting your local council.

Useful websites

Money Saving Expert

Stepchange Debt Charity