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St.George Complete Freedom Account

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

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.

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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 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 feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Review by

Alison Banney is the banking and superannuation 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 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.


Get $40 with a new Complete Freedom everyday bank account when you apply online by 28th September 2022 and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. New transaction account customers only. T&Cs apply.

Key features

$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.

Ask an expert

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  1. 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


  2. 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.


  3. 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.


  4. 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.


  5. 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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