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 Bank

St.George savings accounts, bank accounts and term deposits

St.George savings accounts

9 of 9 results
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
Finder score
Maximum Variable Rate p.a.
4.40%
Standard Variable Rate p.a.
0.10%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $249,999.99
Grow balance by at least $50 ($0.01 if under 21)
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Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.10%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $250,000
Grow balance by at least $50 ($0.01 if under 21)
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Maximum Variable Rate p.a.
2.00%
Standard Variable Rate p.a.
2.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $250,000
Aged 55+
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Maximum Variable Rate p.a.
4.60%
Standard Variable Rate p.a.
1.00%
Intro/Ongoing
6 month intro rate
Max Variable Rate includes 0.45% p.a. for 6 months for new customers who apply online
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Maximum Variable Rate p.a.
1.55%
Standard Variable Rate p.a.
1.55%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $50,000 to $249,999
Aged 55+
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Maximum Variable Rate p.a.
1.20%
Standard Variable Rate p.a.
1.20%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $10,000 to $49,999
Aged 55+
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Maximum Variable Rate p.a.
0.50%
Standard Variable Rate p.a.
0.50%
Intro/Ongoing
Ongoing rate
(conditions apply)
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St.George Bank logo
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Maximum Variable Rate p.a.
0.45%
Standard Variable Rate p.a.
0.45%
Intro/Ongoing
Ongoing rate
(conditions apply)
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St.George Bank logo
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Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $9,999
Aged 55+
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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full breakdown

Want more interest on your savings?

Compare now and find a better rate.

St.George bank accounts

7 of 7 results
Finder Score Monthly fee Govt. Guarantee Own network ATM fee Card type
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Get $50 cashback when you open a new account and make an in-person, contactless transaction from a mobile wallet worth $50 or more within the first 15 days. Access special offers and discounts on popular brands, plus extra cashback when you shop via ShopBack. T&Cs apply.
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
No Debit card
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St.George Bank logo
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St.George Concession Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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St.George Bank logo
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Monthly fee
$10
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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St.George Complete Freedom for U21s and Students
Apple Pay Google Pay Samsung Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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St.George Bank logo
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St. George Foreign Currency Account
Apple Pay Google Pay14 currencies
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Monthly fee
$0
Government Guarantee
Own network ATM fee
Card type
No Debit card
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St.George Bank logo
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St.George Retirement Access Plus Account
Apple Pay Google Pay Samsung Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

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Looking for a better bank account?

Compare everyday accounts and find one that works harder for you.

St.George term deposits

2 of 2 results
Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
St.George Bank logo
Finder Score
St.George Term Deposit
$1,000 min. deposit
$2,000,000 max. deposit
Finder Score
3 Mths p.a.
2.65%
6 Mths p.a.
2.90%
10 Mths p.a.
3.20%
12 Mths p.a.
3.55%
24 Mths p.a.
2.80%
Get 4.10% p.a. for 11 months (4.00% fixed rate special offer + 0.10% bonus when you sign up online). T&Cs apply.
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Finder Score
St.George Business Term Deposit
$1,000 min. deposit
$2,000,000 max. deposit
Finder Score
3 Mths p.a.
2.65%
6 Mths p.a.
2.90%
10 Mths p.a.
3.20%
12 Mths p.a.
3.55%
24 Mths p.a.
2.80%
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Showing 2 of 2 results

Finder Score for term deposits

Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.

Read the full methodology

Lock in a great rate

Compare term deposits to grow your savings with confidence.

What do Australians think of St.George bank account?

  • 4.31/5 overall for Customer Satisfaction - higher than the average of 4.11
  • 4.72/5 for Trust - higher than the average of 4.43
  • 4.38/5 for Customer Service - higher than the average of 4.07

Based on St.George bank account scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

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 savings account

Applying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.

Sources

Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 660 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

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6 Responses

    Default Gravatar
    DerrickSeptember 13, 2024

    Hi Alison – I intend opening a second business account – We are an Airconditioning Company and have been in business for over 30years bank with Wespac – What are your thoughts

      Sarah Megginson's headshotFinder
      SarahSeptember 13, 2024Finder

      Hi Derrick,

      We’re not licenced to provide personal advice about the right financial products for your specific situation. But in general, a few of the things you can consider is what is most important to you as a business customer? Do you value having access to branches; customer service based in an Australian call centre; a range of products in one place; are you price sensitive to fees and interest rates? These are some of the things you should consider and questions you should ask when considering which business bank best suits your needs. I hope this helps!

    Default Gravatar
    citaAugust 8, 2019

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

      Default GravatarFinder
      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?

      Default GravatarFinder
      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

Read more on Bank Accounts

  • 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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