In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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St.George Concession Account

St.George Concession Account
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value

Our verdict

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

To be eligible, you must hold one a Commonwealth Government Health Concession Card or Seniors Card.


  • Free staff assistance in branch and over telephone
  • $0 monthly account service fee
  • Free internet and phone banking


  • There is a foreign currency conversion fee
  • There is a $5 cash withdrawal fee

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question

St.George Bank provides Australian concession card holders with a low fee, easy to use day to day banking account. Available only for Australians who hold certain concession cards, this transaction account gives you complete access to your money with a Visa debit card and one of the largest ATM networks in Australia. The flexibility in banking you are given makes this an account well worth considering.


Key details

Product Name St.George Concession Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5 + 3%
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay


Minimum Age 18
Joint account availability Yes
Minimum opening deposit $1
Residency status Permanent Australian residents with an Australian address

Key features

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$0 account keeping fees

St.George will not charge you any monthly fees when using this account.

Eligibility to open this account

In order to be eligible for the Concession account you must be a Commonwealth Government Health Concession Card or Senior's Card.

Compare more St.George bank products

How to apply


It will first ask you about the following to ensure that you are eligible before proceeding with the application:

  • Minimum age. While there is no minimum age requirement, you must be a holder of a Commonwealth Government Health Concession Card or a Senior's card to qualify. When applying you will need to present this card to verify your eligibility.
  • Residency requirements. Only Australian residents with an Australian residential address are able to qualify for this account.

Your reviews

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Ask a question

Ask a question

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August 23, 2018

If you are a holder of a consession card do you have to put your income/pension into the account or can you just save a little each pay into this account and have your income/pension into another institution? Thankyou.


Joshua Finder

August 27, 2018

Hi Heath,

Thanks for getting in touch with finder. I hope all is well with you. :)

The St.George Concession Account allows you to link your concession account to a Visa debit card. This means that the St. George Concession Account would have access to your concession account. What you can do is withdraw money using the Visa debit card and then transfer it to another institution.

St. George’s website doesn’t have a specific answer to your question. Thus, it would also be a good idea to directly get in touch with them to obtain a more personalised advice.

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

Have a wonderful day!



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