St.George Complete Freedom Account

St.George Complete Freedom Account

Maximum Variable Rate

0.00

Account Keeping Fee

5
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This St.George Everyday bank account comes with Cardless Cash and is packed full of handy features. Open an account today in less than 3 minutes.

  • $0 ATM withdrawal fee at 50,000+ ATMs globally
  • Cardless Cash available with an SMS and email alert system
  • Linked Visa debit card
  • 24/7 phone, internet and mobile banking

Product details

You can now forget your wallet on purpose with the St.George Complete Freedom account. You can withdraw cash from any St.George ATM by generating a code using the Mobile Banking app. It comes with a linked Visa debit card with mobile and internet banking, so you bank anytime, anywhere. Your Visa debit card can be used online, in store or overseas.

If you're currently studying, you may be interested in the Complete Freedom student instead. You don't need to pay the monthly fee if you're under 18 and studying full time (including apprentices).

Product Name
St.George Complete Freedom Account
Monthly Account Fee
$5
Debit Card Access
Visa
ATM Withdrawal Fee
$0
Interest Rate p.a.
0.00%
Details
No account keeping fees, if you deposit $2,000 per month plus no minimum balance required. No ATM fees when using St.George, Westpac and BankSA ATMs.
Joint Application
Yes

What are the features of the St.George Complete Freedom Account?

There are a number of features that you should be thinking about when comparing the St.George Complete Freedom Account with other transaction accounts:

$0 Account keeping fee if you deposit $2,000 per month

If you're able to deposit at least $2,000 into your account by the last business day of the month, the monthly service fee is waived. If you don’t make this obligation one month, your account will be charged $5.

However, since this is a month-by-month feature you'll still get the no fee advantage the next month with the right deposit amount. To make sure you never have to pay the service fee, consider having your salary directly deposited right into your account.

Linked Visa debit card

This card offers you the same shopping privileges as a Visa credit card, except that the money is deducted right from your account instead so you don't need to worry about interest charges.

$0 Transaction fees

There are no charges applied to your account when you use internet or phone banking or make purchases in store with your Visa debit card.

Free ATM withdrawals from the Westpac ATM network

Taking out cash at an ATM with St.George, Bank of Melbourne, Westpac or BankSA in Australia will not incur any charges. If you use an ATM from another network, that institution may apply a charge to your account. Westpac currently has the third largest ATM network in Australia. 

Free overseas ATM withdrawals from a Global Alliance partner

You can save the $5 overseas ATM withdrawal fee by using the relevant ATM networks stated below. This means, if you're in New Zealand and you withdraw money from a Westpac NZ ATM, you can avoid the $5 fee. However, the international transaction fee of 3.00% still applies.

CountryATM Network
New ZealandWestpac NZ
Solomon Islands, Papua New Guinea, Tonga, Samoa, Cook Islands, Vanuatu, FijiWestpac Pacific Banking
Italy, FranceBNP Paribas
Poland, Spain, GermanyDeutsche Bank
Zimbabwe, Zambia, Uganda, Tanzania, Seychelles, Mauritius, Kenya, Ghana, BotswanaBarclays Bank
UK, Portugal and GibraltarBarclays Bank
South AfricaABSA
USABank of America
UkraineUkrsibbank
ChinaBank of Nanjing
SingaporeDBS, POSB
Canada, Chile, Mexico, Peru, Caribbean, JamaicaScotiabank

$5 ATM withdrawals overseas from a non-Global Partner ATM

If you need to withdraw cash while outside of Australia, you will be charged $5 for each transaction that is outside of the stated network. This is in addition to any fees that the issuing bank may charge you.

3.00% International transaction fee – when you use your card overseas

If you make a cash withdrawal or purchase that requires a conversion of a foreign currency, you will be charged 3.00% of the Australian dollar amount to your account.

$0 Opening deposit

There is a minimum opening balance requirement of $1 for the Complete Freedom Account.

24/7 Online access to your account

You can look forward to convenient and secure banking. St.George online and phone banking means you can access your account anytime and view your balance immediately. You can even use fingerprint login when accessing the St.George Mobile Banking app, given that your phone is compatible. Stay updated with SMS and email alerts.

Withdraw cash with your Visa debit card

Don't worry about bringing your wallet anymore. With Cardless cash, you can use your St.George mobile banking app to withdraw funds.

A range of security features to protect your money

St.George have introduced Card Block. If you've misplaced your card you can block it for up to 15 days using the app while you find it. There is also peace of mind from 24/7 fraud monitoring and fradu money back guarantee. If you report fraudulent transactions promptly and didn't contribute to the loss, St.George will reimburse you for that cost.

Home loan advantage with St.George

If your home loan is with St.George, set up a debit to have your monthly repayments deducted straight from the account. By doing this you can also avoid paying the $5 monthly service fee without having to worry about how much you have deposited.

Only available for personal accounts and names

This account is only available for personal names and can't be opened as a SMSF or business. If you'd like to see what options are available , you can compare other St.George everyday and savings accounts here.

Pros
  • Withdraw funds without your debit card with Cardless Cash
  • Open an account within 3 minutes
  • Acces to mobile and internet banking
  • Linked Visa debit card
  • No ATM withdrawal fee at Westpac Network ATMs
  • No ATM withdrawal fee via the Global Alliance Network
Cons
  • Need to deposit at least $2,000 per month otherwise a monthly fee is charged

How do I apply for the St.George Complete Freedom Account?

If after making your comparisons you find that the transaction account from St.George provides all you need, click ‘go to site’ to begin your application. You should check first to ensure that you are able to meet the eligibility requirements:

Eligibility to apply online

  • Age requirement. Only individuals who are at least 18 years of age may open the Complete Freedom Account.
  • Residency requirement. Applicants need to be residents of Australia with a valid Australian residential address.
  • Deposit requirement. An initial deposit of at least $1 is required before the account can be opened.

Documentation for your online application

If you are eligible, continue on to the secure application page. The following documentation will be good to have close by to ensure that your information is accurate:

  • Identification documents. St.George will attempt to verify your identity electronically by using two forms of the following identification; driver’s licence, passport, Medicare card or your birth certificate.
  • Personal details. In addition to your name and date of birth, you will need to provide a valid residential address within Australia.

If you are a new St.George customer

Australians who have not previously banked with St.George or used one of their other products may need to visit a branch in order to complete the 100 points of identification.

What happens after I submit my application?

Filling out the application should take about five minutes and expect it to be less than two business days before your account is opened. A Visa debit card will be mailed to your home, allowing you to begin accessing your money when you need to.

I am shopping around for a transaction account that meets my needs. I am considering opening a ‘complete freedom account’ with you. It is a requirement for myself that I have TWO debit mastercards with the account I open. Is this possible with the account you offer?

You can only get an extra debit card with this account if you have a signatory or if the account is a joint account. Please also be mindful that the card linked to this account is branded as Visa.

What do you mean by 'if I have signatory'?

A bank account signatory is someone who is authorised on your behalf to use the account to deposit or withdraw funds and sign legal documents related to your account. This differs to a joint account holder, who shares joint ownership of the account. To find out more about how this might be able to suit you, we suggest contacting St.George directly.

How long does it take for St George to activate the account and email you if you applied for it over the weekend?

You should’ve received an email after applying listing what your next steps were (if you haven’t it may be necessary to contact St.George directly). You usually will have to identify yourself at a St.George branch before being able to start using your account, but if you’re already a St.George customer this will be unnecessary and your account should be activated within a week.

Can you view your transaction on line, instead of a statement every three months?

Yes you can, you’ll need to ask St.George to set you up with an online account where you can view your transactions online. If you wish to stop your paper statements as well, you’ll need to request this from St.George.

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2 Responses to St.George Complete Freedom Account

  1. Default Gravatar
    ANNA | February 12, 2016

    What is the withholding tax rate on accounts where no tax file numbers are provided? Please advise.

    • Staff
      Shirley | February 15, 2016

      Hi Anna,

      Thanks for your question.

      WHT is calculated using the top marginal rate of tax (which is 45%) plus Medicare levy (which is 1.5%).

      Hope this helps.

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