People with a money question
Fees on a statement, a hardship conversation, how an everyday account works, or the words on a home-loan document.
Yorozuya.How it works
How it works
1. Ask Yorozuya
You can ask without an account. Describe the money question in your own words. An instant answer gives general information, a checklist, and official links when you name a bank. It does not tell you which product to choose. The question and answer are kept for 90 days for safety review and are not linked to you.
2. Ask a person
When you want a human, create a free account. Yorozuya prepares a draft with balances, income and account numbers left out. It can go to Lang, or to a banker, broker or adviser who has joined. You can mark the request as free help or a paid-help preference. No payment is taken here.
3. Talk in private
A private message starts only if the other person accepts. Follows are one-way.
Illustration — not a real member or question
A fee on a statement
- 1. Someone writes, “I do not understand a fee on a statement.”
- 2. An instant answer returns general information and questions they can take to the bank.
- 3. They choose Ask a person. Any balance or account number is left out of the draft.
- 4. A banker, broker or adviser who has joined can reply. A private message starts only if both agree.
Who it is for
People new to Australian banking
What banks commonly ask for, and how to read a bank's own published information before you walk in.
Finance professionals
A banker, broker or adviser who has joined and wants to be found for general help. A licence number you enter is listed by you.
What an instant answer can help with
- Bank disputes and fees
- Home loan basics
- Hardship and payment trouble
- Accounts and cards
- New to Australian banking
- Budgeting and savings
Investing, crypto, super switching and tax are out of scope for now. Yorozuya points those questions to moneysmart.gov.au and does not recommend a product. This list is not a promise that a person is free to reply.
For finance professionals
After you join, open You and choose “I can help as a finance professional”. Add your role, years of experience and specialties. If you have an Australian credit licence, AFSL or authorised representative number, you can enter it. The profile says “Licence number listed by the expert” and offers Check this number on the ASIC register. That is not a claim that Yorozuya holds a licence, and it is not a register mark from Yorozuya.
FAQ
Is this personal financial advice?
No. Nothing here considers your objectives, financial situation or needs. Yorozuya does not hold an Australian financial services licence or an Australian credit licence.
Do I need an account to ask?
No. An instant answer works without an account. Create a free account when you want a banker, broker or community member to help, or to message, follow, post, or attach a document. A question asked without an account is kept for 90 days for safety review and is not linked to a person.
Who can join?
Anyone 18 or over. Create an account with email or Google. Facebook is limited to listed testers while that app is in development. You do not need an invitation.
How do I list myself?
Open You, choose “I can help as a finance professional”, and add your role, years and specialties. If you hold an ACL, AFSL or authorised representative number, you can list it. The line on your profile says the number was listed by you, with a link to the ASIC register.
What should I never send?
Passwords, PINs, one-time codes, full card numbers, balances and account logins. Do not send money to anyone through Yorozuya. Use Report, or Report scam, on the person or the note.
Safety and trust
General information only, not personal financial advice. Never share passwords, PINs, one-time codes or full card numbers, and never send money through Yorozuya. Read the safety notes, including how to report a person.
About the name
万事屋, Yorozuya, means a shop for all things: a counter where ordinary problems can be brought. The name is a promise that ordinary problems have a place to start. Run by Lang Liu, operating Yorozuya. Today the counter is banking and everyday money. Later it can include other everyday skills, still between people who choose to help. A paid-help preference does not take payment.