In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert
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St.George Complete Freedom Account

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

Our verdict

An everyday transaction account with Cardless Cash and Apple Pay, plus no account keeping fees.

This account charges no account keeping fees and there's no monthly deposit condition to meet either.

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. This account also supports Google Pay or Samsung Pay if you have a compatible device with a supported operating system.

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.


  • Cardless Cash available
  • 24/7 Online access to your account
  • No account fees
  • No ATM fees at more than 50000 ATMs globally
  • Track your spending with the St.George App Spend Tracker tool


  • international transaction fees apply

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert

The St.George Complete Freedom Account is a handy everyday transaction account with no account keeping fees. 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.


Key details

Product Name St.George Complete Freedom 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

Key features

Picture not described

$0 Account keeping fee

This account doesn't charge any monthly account keeping fees. There is no longer a monthly deposit condition in order to have the account keeping fee waived (this used to be $2000).

Linked Visa Debit card

You'll receive a linked Visa Debit card with this account which you can use online and in stores all around the world. The card comes with payWave, so you can make tap-and-go purchases without entering a PIN for transactions under $100.

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.

Your reviews

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Alan McPherson

December 01, 2023

How much can I tap without PIN number being required?


Angus Kidman Finder

December 03, 2023

The limit for PIN-free tap and pay is $100.



August 12, 2023

Can I open the bank account with the visitor visa?


Alison Banney Finder

August 14, 2023

Hi Shawn, you can open an account if you have an Australian residential address and 2 of the following forms of ID: Australian Driver Licence, Medicare Card, Passport, Australian Birth Certificate.



February 20, 2023

Can I get multiple online accounts that are all linked that I can use for different things, eg savings, travel, bills?


Alison Banney Finder

February 21, 2023

Hi Joy,

Yes you can open as many Complete Freedom accounts in your name as you’d like to. You can see them all together in your St.George mobile banking app.





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.



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



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October 02, 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

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Clarizza Fernandez Finder

October 05, 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.



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