In this guide

  • Review
  • Details
    • Key details
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

St.George Bank Retirement Access Plus Account

  • Avatar
St.George Retirement Access Plus Account
Maximum variable rate
2.30% p.a.
Base interest rate


The Retirement Access Plus is St.George’s hybrid bank account and savings account that rewards you with interest and no account fees — no strings attached.

Half transaction account and half high interest savings account, the Retirement Access Plus is St.George’s all in one retirement banking product. Get rewarded with a competitive tiered approach to interest and no monthly fees. Balances over $250,000 accrue interest at 2.3%.


  • $0 monthly service fee
  • Enjoy unlimited transactions
  • Linked Visa debit card


  • Designed for people at least 55 years of age

In this guide

  • Review
  • Details
    • Key details
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name St.George Retirement Access Plus Account
Maximum Variable Rate 2.30% p.a.
Standard Variable Rate 0.30% p.a.
Monthly Account Fee $0
Minimum Opening Deposit $0
Minimum Age 55

Key features

Picture not described

Competitive interest rates

Unlike other savings accounts, there is no condition you need to meet to earn interest. You don't need to make a certain number of deposits each month and you still earn interest if you make withdrawals. Interest on this account is tiered. Balances over $250,000 accrue interest at 2.3%. Interest is calculated daily and paid into the account monthly.

Enjoy unlimited access to your money

The Retirement Access Plus Account is a savings account with debit card access. You can make an unlimited number of everyday banking transactions including staff-assisted transactions and EFTPOS transactions within Australia for free. There is no minimum balance requirement for this.

How to apply


Before you apply check your eligibility for the Retirement Access Plus Account below.

  • You must be over the age of 55 and retired or receiving a pension such as the aged pension, carers, disability, widow and veterans affairs pensions.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Alison Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.



October 31, 2023

Has St George indicated how long they will maintain their cheque account. Suncorp and Bank of Sydney are closing their cheque accounts soon. Do you know which other banks are following suit.


Richard Whitten Finder

November 06, 2023

Hi Allan,

I have not been able to find anything on this topic. I suggest contacting the bank directly.



October 12, 2023

If I had $20,000 in a St.George Bank Retirement Access Plus Account, what approximate interest rate would I receive on it?


Sarah Megginson Finder

October 13, 2023

Hi Ben,

Current interest rates on this product as of today are:

0.30% p.a.

Balances up to $9,999.99

1.50% p.a.

On the part of the balance between $10,000.00 to $49,999.99

1.85% p.a.

On the part of the balance between $50,000.00 to $249,999.99

2.30% p.a.

On the part of the balance $250,000 or over

Show more Show less


February 03, 2020

Is it correct that funds in a St George Retirement Access Account can be a tax deduction


Nikki Angco

February 04, 2020

Hi Jenny,

Thanks for your comment and I hope you are doing well.

It’s helpful to know that as this is a standard everyday transaction account for people aged over 55 the money can’t be claimed as a tax deduction.

Hope this helps and feel free to reach out to us again for further assistance.



Show more Show less


February 09, 2017

Can I have more than one Retirement Access Plus Cheque account? I would like to have two separate fee free savings accounts so as to keep track of income and spending.


May Finder

February 09, 2017

Hi Dawn,

Thanks for getting in touch.

Yes, you can open two accounts so long that you will put the pension into both accounts.

If in case, you may also like to check other retirement savings accounts featured on our website. On that page, you should know more about how retirement savings accounts work.

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

Have a wonderful day!



Show more Show less
Go to site