St.George Concession Account

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

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.

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Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameSt.George Concession Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Samsung Pay

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

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

Key features

$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.

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    Default Gravatar
    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.

      Avatarfinder Customer Care
      August 28, 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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