St.George Visa Debit Account

With a St.George Visa Debit Card in your wallet, you are always carrying the cash you need.

The Visa Debit Card from St.George links to your banking account, allowing you to spend freely without incurring debt. A Visa Debit Card can be used anywhere that a Visa Credit Card is accepted, except it draws the funds directly out of your linked banking account. In this way, you are not going to be spending any more than you can afford to.

Shirley Liu

Last Updated Jan 5, 2021

Account keeping fee

ATM withdrawal fee

Overseas ATM withdrawal fee

Overseas transaction fee

of transaction value

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Details

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

Minimum Age	18
Joint account availability	Yes
Minimum opening deposit	N/A

Pros

$$0 Account Fees
No ATM Access fees
Visa Debit card access

Cons

No interest earnt on the account

Shirley Liu

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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.

Key features

Annual fee

St.George does not charge you an annual fee for the Visa Debit Card.

Accessibility

With your Visa Debit Card you are able to shop online, over the phone, at retailers where Visa is normally accepted and overseas. The card can also be used to withdraw money from your linked banking account.

ATM access

Money can be withdrawn from your account using the Visa Debit Card at any ATM that bears the Visa logo. Just press "CHEQUE" or "SAVINGS" depending on which account you are withdrawing from. You can also press "CREDIT" for your transactions and get added security on your purchases with chargeback protection as well as tracking your use to protect against unusual activity. You are also allowed to use the Visa Debit Card at any St.George, BankSA, Bank of Melbourne or Westpac ATM.

Security

A Visa Debit Card gives your money added protection with embedded chip technology for added security. You also get Fraud Money Back Guarantee which ensures that unauthorised transaction claims are reimbursed provided that you did not contribute to the loss and that you contact St.George promptly.

Visa payWave

Visa payWave allows you to make point of sale purchases under $100 simply by waving your card at the terminal.

Linked accounts

St.George allows you to link the Visa Debit Card to up to two of these accounts; Complete Freedom, Retirement Access Plus, or the Concession Account. You can compare the features of these accounts as well in order to help you determine if the St.George Visa Debit Card is your best choice in meeting your spending needs.

Visa Preferred Services

Get discounts and special benefits when using your Visa Debit Card on sporting events, concerts, the cinema and more.

Visa debit transaction fees

It is dependent on the account, but in most instances Visa debit transactions are free, but could count towards any monthly withdrawal allowance. The merchant may also charge an additional fee which should be made known to you at the time of withdrawal or purchase.

How to apply

In order to apply for the St.George Visa Debit Account you must already hold at least one of these accounts or apply for one and the debit card at the same time; Complete Freedom, Complete Freedom Student, Retirement Access Plus or Concession Account. Read our brief reviews of each of these St.George accounts.

Eligibility

Eligibility requirements for each of the accounts that can be linked to the Visa Debit Card will differ, but you will need to be an Australian resident with a residential address in order to qualify. In some cases you may also find that there is a separate age requirement for the Visa Debit Card, and you will instead be issued a standard access card for your account if you fall under that age requirement. Before making a final choice, make sure that you read the fine print and are comparing the account differences with other Australian Banks' similar accounts.

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4 Comments

Najem
February 7, 2018

I have got home loan with visa card 5000 thousand from st George bank and i have to return them, so my question is if i spend that money in the visa card does there any fees

finder Customer Care

Rench
February 21, 2018

Hi Najem,

Thanks for your inquiry.

While you are linking your St.George Visa Debit Card and have it as an offset account, you may still use your card for your everyday transactions. This card does not charge ATM Withdrawal Fee, Monthly Account Fee or Annual fee. Although please note that when your repayment for your home loan is due, you must have enough savings to cover your repayment. I would also encourage you to check your lender for associated fees on your home loan.

Best regards,
Rench

anthony
May 31, 2017

I have a st George Visa debit card.
DO you get charged fees when traveling overseas?

finder Customer Care

Jhez
June 1, 2017

Hi Arnold,

Thanks for getting in touch with finder.com.au.

If you mean making transactions overseas, it actually depends on where you are using it. Visa Debit Card can be used anywhere around the world that a Visa Credit Card is accepted. In most cases, Visa debit transactions are free, however, there are some instances that a merchant may charge an additional fee at the time of withdrawal or purchase.

Hope this helps.

Regards,
Jhezelyn

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