St.George Bank
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St.George savings and bank accounts

St.Geroge bank offers a large range of bank accounts to suit personal and business customers, students and retirees.

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St.George savings accounts, bank accounts and term deposits

Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro Period Government Guarantee Monthly Max Rate Conditions
St.George Maxi Saver
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
1.10%
Intro Period
3 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
Max Variable Rate includes 0.35% p.a. for 3 months for new customers who apply online
St.George Incentive Saver
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
1.85%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance $50 ($0.01 if under 21)
View details
Extra 0.10% p.a. for 3 months for new customers who apply online, with balances under $250,000.
St.George Investment Cash Account
Maximum Variable Rate p.a.
1.00%
Standard Variable Rate p.a.
1.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
St.George Business Access Saver
Maximum Variable Rate p.a.
1.35%
Standard Variable Rate p.a.
1.35%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
St.George Retirement Access Plus Account
Maximum Variable Rate p.a.
2.30%
Standard Variable Rate p.a.
2.30%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
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Showing 5 of 5 results
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
St.George Complete Freedom Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
St.George Society Cheque Account
N/A
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
No Debit card
More Info
St.George Concession Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
St.George Freedom Business Account
Monthly fee
$10
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
St.George Visa Debit Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
St.George Complete Freedom for U21s and Students
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
St. George Foreign Currency Account
14 currencies
Monthly fee
$0
Government Guarantee
Own network ATM fee
Card type
No Debit card
St.George Retirement Access Plus Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
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Showing 8 of 8 results
Name 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a.
St.George Term Deposit
$1,000 min. deposit$2,000,000 max. deposit
3 Mths p.a.
3.55%
4 Mths p.a.
3.60%
5 Mths p.a.
3.70%
6 Mths p.a.
3.80%
7 Mths p.a.
3.85%
12 Mths p.a.
4.30%
24 Mths p.a.
4.05%
More Info
St.George Business Term Deposit
$1,000 min. deposit$2,000,000 max. deposit
3 Mths p.a.
3.55%
4 Mths p.a.
3.60%
5 Mths p.a.
3.70%
6 Mths p.a.
3.80%
7 Mths p.a.
3.85%
12 Mths p.a.
4.30%
24 Mths p.a.
4.05%
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Showing 2 of 2 results
Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro Period Government Guarantee Monthly Max Rate Conditions
Bank of Queensland Future Saver Account - 14 to 35 years
Finder Award
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.05%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 eligible transactions
Go to siteView details
AMP Saver Account
Maximum Variable Rate p.a.
5.40%
Standard Variable Rate p.a.
1.20%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1000 in previous month
Go to siteView details
Rabobank High Interest Savings Account
Maximum Variable Rate p.a.
5.75%
Standard Variable Rate p.a.
4.40%
Intro Period
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
ING Savings Accelerator ($150,000 - $500,000)
Maximum Variable Rate p.a.
5.20%
Standard Variable Rate p.a.
4.70%
Intro Period
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Welcome rate applies up to $500K
Go to siteView details
Macquarie Savings Account
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
4.75%
Intro Period
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
Westpac Life (18-29 year olds only)
Maximum Variable Rate p.a.
5.20%
Standard Variable Rate p.a.
2.00%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow your balance
  • 5 debit card purchases
Go to siteView details
Newcastle Permanent Online Savings Account
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
1.00%
Intro Period
3 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
ING Savings Maximiser
Finder Award
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.55%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 transactions
  • Grow your balance
Go to siteView details
St.George Maxi Saver
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
1.10%
Intro Period
3 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
Max Variable Rate includes 0.35% p.a. for 3 months for new customers who apply online
MyState Bank Bonus Saver Account
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.05%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $20
  • 5 debit card purchases
Go to siteView details
IMB Reward Saver Account
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.00%
Intro Period
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $50
  • No withdrawals
Go to siteView details
Bank of Queensland Simple Saver Account
Maximum Variable Rate p.a.
4.85%
Standard Variable Rate p.a.
4.85%
Intro Period
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
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Showing 12 of 14 results
Rates accurate as at: May 18th, 2024 Learn about our information service

Congratulations, Commsec!

Commsec received the following highly commended awards in the 2023 Innovation Awards:

  • 'Investment Innovation'
  • 'Most Innovative Team'
Full list of 2023 winners

Quick facts about St.George

  • St.George started operations in 1937 in a southern Sydney suburb, and officially became a bank in 1992
  • St.George has been part of the Westpac Group since 2008, along with BankSA and Bank of Melbourne
  • St.George customers have access to the Westpac Global ATM Alliance of more than 50,000 international ATMs

Accounts offered by St.George

St.George offers many different bank accounts to suit a variety of customers, which you can see listed in the table above. Here's a brief snapshot of a few of the bank's most popular accounts.

St.George Complete Freedom Account

The Complete Freedom Account comes with a linked Visa debit card, giving you easy access to your money, and no monthly account keeping fee. You can access all St.George and Westpac ATMs for free, as well as all CommBank, NAB and ANZ ATMs in Australia.

Read our full review of the St.George Complete Freedom Account.

St.George Incentive Saver Account

This account encourages you to save by offering a bonus interest rate every month you don’t make a withdrawal and make at least one deposit. It does notcharge any ongoing account keeping fees, and does not have any minimum balance requirement.

Read our full review of the St.George Incentive Saver Account.

St.George Term Deposit

You can open a St.George Term Deposit and pick a length from 1 month to 5 years at a time. You'll earn a fixed interest rate for the length of the term, however you're unable to access your money until you reach the end of your term.

Read our full review of the St.George Term Deposit.

Different ways to bank with St.George

St.George offers many different ways to do your banking.

St.George bank branches

St.George has more than 300 bank branches spread across Australia (including BankSA branches). Customers can also go into one of more than 1000 Westpac branches for assistance with day-to-day banking, to deposit cash or cheques, to open or close accounts or to speak to a professional banker.

St.George ATM network

St.George has hundreds of ATMs around Australia. It's so part of the Westpac Group which includes around 3,000 Westpac ATMs around Australia, and 50,000 internationally as part of Westpac's Global ATM Alliance. St.George customers can also use their Australian debit cards to withdraw cash for free at CommBank, NAB and ANZ ATMs throughout Australia.

Customers can also use select St.George ATMs to withdraw cash without their physical debit card, thanks to the bank's cardless cash feature.

Bank@Post

If you need to deposit cash into your St.George account, you can do this at a participating Australia Post shop using Bank@Post. It's free to deposit cash into your account this way.

St.George Internet and mobile banking

Customers can access St.George's Internet banking portal 24/7 to review transactions and balances, see more detailed transaction data, pay bills, transfer money between accounts and make BPAY payments. You can also view and download your statements and open new St.George accounts.

The St.George app is free to download, and has a 3.2 star rating in the App Store and a 4 star rating in the Google Play store. You can do your day-to-day digital banking using the app 24/7.

St.George contactless payment options

St.George offers Apple Pay, Google Pay and Samsung Pay to customers with a St.George debit or credit card. This means you can use your phone (or any compatible device) to make contactless payments for everyday items instead of using your physical debit card. You can also add your card to your Apple Watch and pay with your watch as well as your phone.

Pros and cons of banking with St.George

Pros

  • Variety of accounts. St.George provides a range of bank accounts to suit different needs, with more account options than a lot of smaller banks.
  • Branch banking. St.George still has hundreds of branches across Australia, which may benefit you if you often do your banking in branch.
  • Part of Westpac. St.George customers also have access to Westpac Group ATMs, which includes more than 50,000 international ATMs.

Considerations

  • International fees. Overseas ATM fees and international transaction fees do apply to St.George bank accounts.
  • Rates are less competitive. The interest rates on St.George's savings accounts are often lower than other accounts in the market.

How to apply for a St.George account online

You can apply for a new St.George account online in less than 10 minutes. Just make sure you meet the eligibility criteria and have the necessary documents handy before you start your application.

Eligibility

  • You're over 18 years old
  • You're an Australian resident for tax purposes
  • You have an Australian phone number and residential address

Documentation

  • Personal details like your name, date of birth, residential address, phone number and email address
  • ID documents such as your driver's licence, Medicare card, passport or proof-of-age card

If you haven't found what you're looking for yet, you can compare a wide range of additional savings accounts and bank accounts from other providers with Finder.

More guides on Finder

  • St.George Society Cheque Account

    Your non-profit income and expenses can be managed with ease using a specialised account from St.George Bank.

  • St.George Bank Incentive Saver

    A savings account for people working towards a goal. Get a competitive rate of interest when you make regular deposits and no withdrawals.

  • St.George Bank Retirement Access Plus Account

    Enjoy retirement and have your finances sorted with the St.George Bank Retirement Access Plus account.

  • St.George Investment Cash Account

    The St.George Investment Cash Account is a bank account and a savings account. Earn interest and access your money when you want.

  • St.George Visa Debit Account

    A Visa Debit Card is a smart way to get the advantages of a high profile credit card, without having to pay the interest that typically comes with it.

  • St.George Concession Account

    An account designed exclusively for concession card holders that takes into account all of your special financial needs.

  • St.George Maxi Saver savings account

    The introductory bonus rate of the Maxi Saver account can help you meet your savings goals faster than you had hoped for.

  • St.George Term Deposit

    While you can expect to get a competitive rate with your St.George term deposit, certain term deposits offered by other banks require your attention as well, so compare a few before applying.

  • St.George Complete Freedom Account

    A Complete Freedom Account gives you the freedom of having your money always available to you.

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4 Responses

    Default Gravatar
    citaAugust 8, 2019

    st. george dishonour fee is ridiculous $15 and sometimes. thinking of changing bank

      AvatarFinder
      FayeAugust 9, 2019Finder

      Hi Cita,

      Thank you for your feedback.

      You may need to reach out to St. George directly to verify any information with their fees and charges. You can also review your account’s Product Disclosure Statements/Terms and Conditions.

      We have listed different brands of savings accounts. You can use our comparison table to help you find the account that suits you. When you are ready, press the ‘Go to site’ button to apply.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant PDS/T&C when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions

      I hope this helps.

      Kind Regards,
      Faye

    Default Gravatar
    ScottMay 19, 2017

    I have around $300k to invest but want to protect my deposit with the government guarantee of $250k and collect the highest interest rate available but I would prefer to
    Not have to worry about needing a home loan with the institution or end up having to move my money after a honeymoon period of a higher rate but do not mind making regular deposits to the account or an attached account like maybe my salary.
    Can you give me the details of 3 or so as I currently deal with Me and RAMS but am moving away from one of these institutions?

      AvatarFinder
      DeeMay 31, 2017Finder

      Hi Scott,

      Thanks for your question.

      If you are looking to open a savings account with a government guarantee, high-interest rate, and no requirement to open a home loan, you may compare our list of savings accounts.

      The bonus rate is normally an ongoing offer as long as you meet the terms of the savings account. In case you are not able to get the bonus rate, your deposit will still earn the standard variable rate.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Cheers,
      Anndy

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