Operated by Divine National Service Authority Limited · Last updated June 2026
This form is how you apply for early access to your savings due to hardship. Please complete all sections below and email to [email protected]. We will review your application within 5 working days.
Your Information
You can find your member ID in your Da Birthday Club account dashboard.
Your Hardship Reason
Select the category that best describes your hardship. You may select more than one if applicable.
Explain Your Hardship
Please provide a clear explanation of your hardship and why you need early access to your savings. Include dates, amounts, and any other relevant details.
Supporting Evidence
To support your application, please provide evidence of your hardship. Examples include:
Job loss: Redundancy letter or final payslip
Medical emergency: Hospital discharge letter or medical certificate
Eviction: Notice to vacate or letter from landlord
Death: Death certificate or funeral notice
Financial hardship: Bank statements, overdue bills, or proof of support applications
How to attach: Save your documents as PDF or image files (JPG, PNG). Include them in your email when you send this form to [email protected]. Put your name in the filename (e.g., JohnSmith_Hospital_Letter.pdf).
Amount Requested
Do you want the full amount of your current savings, or a partial amount?
Leave blank if you want the full amount. Otherwise, enter the dollar amount you need.
Confirmation & Consent
By submitting this form, you confirm:
Submission Instructions
To submit your hardship withdrawal application:
Complete this form (all * fields are required).
Gather your supporting evidence (hospital letters, redundancy notices, etc.).
Save your evidence as PDF or image files. Name them clearly (e.g., JohnSmith_Hospital_Letter.pdf).
Timeline: We will review your application within 5 working days and send you a written decision by email.
What happens next:
✓ Approved? Your withdrawal is processed immediately. Funds returned via bank transfer or digital card, depending on your preference.
✓ Denied? We send written reasons. You may appeal within 10 working days to an independent arbitrator.
Frequently Asked Questions
How long does it take to review my application?
We aim to review within 5 working days. In exceptional circumstances, it may take up to 10 working days.
What if I disagree with the Committee's decision?
You may appeal within 10 working days. Your appeal will be reviewed by an independent arbitrator external to Da Birthday Club, who will make a final, binding decision. Arbitration costs (typically $500–$1,000) are usually shared 50-50 between you and the Club.
Can I withdraw a partial amount?
Yes. You may request a partial withdrawal if that's all you need. Your remaining balance will continue to be held until your birthday.
What if I am denied but still need the money?
After your hardship appeal is resolved, if you still need funds, other options include asking family/friends for help or contacting a community support organisation such as a budgeting service or your local Citizens Advice Bureau.
Is there a cost to applying?
No. There is no cost to submit a hardship application. If your application is approved, your normal $11.11 issuance fee applies at payout. If you appeal a denial, arbitration costs are typically shared.