St.George savings accounts, bank accounts and term deposits
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.
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
- 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.
- 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.
- You're over 18 years old
- You're an Australian resident for tax purposes
- You have an Australian phone number and residential address
- 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
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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