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St.George savings accounts, bank accounts and term deposits
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
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.
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.
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
Are you looking for another St.George product instead?
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.
Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds.
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.
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 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?
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.
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st. george dishonour fee is ridiculous $15 and sometimes. thinking of changing bank
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
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?
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