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title: Accreditations
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description: # Accreditations

MyBudget operates under Australian financial services regulation and dispute-resolution frameworks. This page sets out the licences we hold, who regulates us, and where you can escal...
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# Accreditations

# Accreditations

MyBudget operates under Australian financial services regulation and dispute-resolution frameworks. This page sets out the licences we hold, who regulates us, and where you can escalate a complaint if you ever need to.

## Australian Financial Services Licence (AFSL)

MyBudget holds an **Australian Financial Services Licence** issued and overseen by the Australian Securities and Investments Commission (ASIC). The AFSL authorises MyBudget to provide **general financial advice** within the Australian regulatory framework.

Holding an AFSL means MyBudget meets the compliance, competency, and disclosure standards required to operate as a financial services provider in Australia. Our AFSL number is disclosed to every client as part of our standard onboarding — it appears on our formal documentation and is available on request.

## Australian Credit Licence (ACL)

MyBudget also holds an **Australian Credit Licence**, again overseen by ASIC. The ACL permits MyBudget to provide a range of **credit-related services**, including credit advice and debt management solutions.

Any organisation offering credit-related services in Australia — including Buy Now Pay Later providers and similar entities — is required to hold an ACL. Ours signifies that MyBudget meets the regulatory standards required to operate in the Australian credit market.

## Regulator: ASIC

The **Australian Securities and Investments Commission (ASIC)** is the Australian regulatory body that oversees credit and financial services legislation. ASIC issues and monitors both AFSLs and ACLs, sets industry conduct standards, and enforces compliance across the sector.

## External dispute resolution: AFCA

Every AFSL and ACL holder in Australia must be a member of an external dispute resolution scheme. MyBudget's external dispute resolution provider is the **Australian Financial Complaints Authority (AFCA)**.

AFCA is a **free, independent service** that helps Australians resolve complaints with financial service providers. If you are ever unhappy with how MyBudget has handled a complaint internally, you can escalate to AFCA directly.

**Contact AFCA:**

- Phone: **1800 931 678**
- Web: **[www.afca.org.au](https://www.afca.org.au/)**
- Post: GPO Box 3, Melbourne VIC 3001

## Independent client ratings

Beyond our regulatory credentials, MyBudget's service is rated publicly by clients on independent review platforms:

- **4.6 stars on Product Review** (2026)
- **4.7–4.9 stars on TrustPilot**

These ratings are unfiltered client feedback. We read them, we act on them, and we thank the clients who take the time to leave one.

## Since 1999

MyBudget was founded in 1999 and has been serving Australians ever since. Over that time we have helped more than **130,000 Australians** live free from money worries — and every one of them was served under the same regulatory framework described above.

## Related pages

- [Our story](/about/our-story/) — how MyBudget was founded and what we believe about money
- [The MyBudget Method](/trust/the-mybudget-method/) — how the accreditations translate into day-to-day service
- [Client success stories](/trust/client-success-stories/) — real client outcomes under this framework
- [Leadership](/about/leadership/) — the team accountable for those standards