St.George Complete Freedom Account

$0 Transaction fees in Australia

There are no charges applied to your account when you use internet or phone banking or make purchases in store with your Visa debit card.

Free ATM withdrawals from the Westpac ATM network

Taking out cash at an ATM with St.George, Bank of Melbourne, Westpac or BankSA in Australia will not incur any charges. If you use an ATM from another network, that institution may apply a charge to your account. Westpac currently has the third largest ATM network in Australia.

No ATM withdrawal fee at more than 50,000 ATMs globally

St.George is a part of the Westpac Global ATM alliance which allows you to make cash withdrawals from more than 50,000 ATMs globally without being charged an ATM fee. If you do use an ATM that is not a part of the alliance, you will be charged $5 per transaction plus other fees and charges may be added to your account from the issuing bank.

Track your spending and receive push notifications

You can use the St.George App to track your spending using the Spend Tracker tool to see exactly where your money is going. You can also choose to enable free push notifications from the St.George App, with a variety of different alerts available to help you keep track of your money.

3% International transaction fee

If you make a cash withdrawal or purchase that requires a conversion of a foreign currency, you will be charged 3% of the Australian dollar amount to your account. For example, when using your debit card in another country or when shopping online from an overseas retailer.

$1 opening deposit requirement

There is a small minimum opening balance requirement of just $1 for the Complete Freedom Account.

24/7 Online access to your account

You can look forward to convenient and secure banking. St.George online and phone banking means you can access your account anytime and view your balance immediately. You can even use fingerprint login when accessing the St.George Mobile Banking app, given that your phone is compatible. Stay updated with SMS and email alerts.

Withdraw cash without your Visa Debit card using Cardless Cash

Don't worry about bringing your wallet anymore. With Cardless Cash, you can use your St.George mobile banking app to withdraw money from select St.George ATMs.

A range of security features to protect your money

St.George offer a Card Block feature, so if you've misplaced your card you can block it for up to 15 days using the app while you find it. There is also peace of mind from 24/7 fraud monitoring and fraud money back guarantee. If you report fraudulent transactions promptly and didn't contribute to the loss, St.George will reimburse you for that cost.

Only available for personal accounts and names

This account is only available for personal names and can't be opened as a SMSF or business. If you'd like to see what options are available , you can compare other St.George everyday and savings accounts here.

• Deposit requirement. An initial deposit of at least $1 is required before the account can be opened.

Documentation needed

If you are eligible, continue on to the secure application page. The following documentation will be good to have close by to ensure that your information is accurate:

• Identification documents. St.George will attempt to verify your identity electronically by using two forms of the following identification; driver's licence, passport, Medicare card or your birth certificate.

• Personal details. In addition to your name and date of birth, you will need to provide a valid residential address within Australia.

If you are a new St.George customer

Australians who have not previously banked with St.George or used one of their other products may need to visit a branch in order to complete the 100 points of identification.

What happens after I submit my application?

Filling out the application should take about five minutes and expect it to be less than two business days before your account is opened. A Visa debit card will be mailed to your home, allowing you to begin accessing your money when you need to.