St.George Complete Freedom Account

An everyday transaction account with Cardless Cash and Apple Pay, plus no account fees for students and those under 21.

The St.George Complete Freedom Account is a handy everyday transaction account with no account keeping fees if you deposit $2,000 a month. The account keeping fees are also waived for students and customers aged under 21.

It comes with a linked Visa Debit card with payWave and you can access your account using mobile and internet banking, so you bank anytime, anywhere.

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Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameSt.George Complete Freedom 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 fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This account charges no account keeping fees if you’re under 21 or a full time student or apprentice. If this isn’t you, you can still get the $0 account fee waived if you deposit $2,000 a month. Make sure you can meet the monthly deposit condition before opening the account, as it is quite high in comparison to other accounts.

The Cardless Cash feature in the St.Geroge app allows you to withdraw cash from St.George ATMs without your debit card, by generating a unique code in the app. If you’re an Apple user, you can link your debit card to Apple Pay to make purchases with your phone or wearable device while you’re out and about without your wallet. However if you’re an Android user, the account doesn’t support Google Pay or Samsung Pay just yet.

Another benefit of banking with St.George is it’s part of the Westpac Group. This means you can make free ATM withdrawals at all St.George, Westpac, BankSA and Bank of Melbourne ATMs in Australia and at 50,000+ ATMs overseas that are part of the Global ATM Alliance. But keep in mind that if you use an overseas ATM outside of the alliance, you'll be charged a $5 withdrawal fee, and the ATM operator may charge their own fee, too.


Receive a $40 cash bonus when you open a new St.George Complete Freedom account online by 30 September 2021 and deposit $500 within 30 days of opening the account. You must also make sure the account remains open for at least 45 days from the date of account opening. New account holders only. T&Cs apply.

Key features

$0 Account keeping fee if you deposit $2,000 per month

If you're able to deposit at least $2,000 into your account by the last business day of the month, the monthly service fee is waived. If you don't make this obligation one month, your account will be charged $0.

However, since this is a month-by-month feature you'll still get the no fee advantage the next month with the right deposit amount. To make sure you never have to pay the service fee, consider having your salary directly deposited right into your account.

$0 Account keeping fee for students and customers under 21

If you're under 21 years old or are a full-time tertiary student or apprentice, the monthly account keeping fee will be waived.

How to apply


  • Age requirement. Only individuals who are at least 18 years of age may open the Complete Freedom Account.
  • Residency requirement. Applicants need to be residents of Australia with a valid Australian residential address.


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    Default Gravatar
    June 22, 2018

    1. Can the withdrawal be transferred to a 3rd party? Eg, If I want to pass $20 to someone else, can I give them the temporary OIN and have them access the funds?
    2. Can I transfer to another bank account? Eg, If I want to send $20 to a 3rd party direct to the bank account.

      Default Gravatar
      June 22, 2018

      Hi Daryl,

      Thanks for your inquiry

      1. Yes, the St. George Freedom Account cardless cash feature can be shared with others by sharing your cash code with others. This is ideal if you need to quickly get cash to friends and family.

      2. Yes, transferring funds to other accounts is possible. However, these accounts need to be eligible accounts that are linked to your St. George Freedom Account.

      You want to check St. George’s website and the terms and conditions for more information about this account.

      Hope this information helps


    Default Gravatar
    October 2, 2016

    Hi there,

    I would like to close my st george complete freedom bank account since I moved overseas and it just keeps charging my account monthly even when i have no use for it, I forgot to close my bank account before i moved away from Australia, I am not coming back anytime soon within ten years, is there any way i can close it with phone or online? Thank you very much

      Avatarfinder Customer Care
      October 5, 2016

      Hi Morris,

      Thanks for your question.

      Yes, you can certainly close your account by calling the bank direct if you can’t visit a branch.


    Default Gravatar
    July 20, 2016


    I want to receive money from overseas from a tax refund company. Will there be any charges for receipt of money credited to your account from overseas of course in foreign currency but equivalent to get here in AUD. I have complete freedom account.

      Avatarfinder Customer Care
      July 25, 2016

      Hi Vahid,

      Thanks for your comment.

      It is best to check with your bank, however it looks like there is a fee of around $15 for inward transfers. Please note we are a comparison website and provide general advice only.

      Hope this helps.


    Default Gravatar
    July 2, 2016

    I want to open a St George Freedom Account but only for about a month then I would want to close it. How do I go about this?

      Avatarfinder Customer Care
      July 4, 2016

      Hi Diane,

      Thanks for your question. You can open a St.George Freedom Account by clicking on the ‘Go to Site’ button at the top of this page. Be sure to check information on documentation requirements and eligibility to apply under the ‘How to Apply’ tab on this page.

      You can certainly open an account for one month. When you’re ready to close, you can notify St.George direct.

      Hope this helps.


      Default Gravatar
      September 19, 2016

      Is there any fees for closing an account with St George? If yes, what’s the amount?

      Avatarfinder Customer Care
      September 20, 2016

      Hi Dan,

      Thanks for your question.

      St.George do not charge a fee for closing the account. Once your balance is at $0 (you have transferred your funds elsewhere), you can call St.George to close your account or visit one of their branches.

      We also recommend taking a look at our guide to closing a bank account which outlines what you need to look out for and considerations to make.

      Hope this helps.


    Default Gravatar
    February 12, 2016

    What is the withholding tax rate on accounts where no tax file numbers are provided? Please advise.

      Avatarfinder Customer Care
      February 15, 2016

      Hi Anna,

      Thanks for your question.

      WHT is calculated using the top marginal rate of tax (which is 45%) plus Medicare levy (which is 1.5%).

      Hope this helps.

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