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St.George SENSE

SENSE helps you budget and save

  • SENSE is two great accounts working together – SENSE Everyday transaction account and SENSE Savings account
  • Earn a competitive  p.a. on SENSE Savings plus pay no account service fees when you deposit at least $2,000 a month into your SENSE Everyday account1
  • Save faster with rounding! Purchases using Visa Debit, Freedom Card and BPAY® are rounded up to the next dollar, with the ‘rounding amount’ automatically transferred into SENSE Savings.2
  • Get one easy statement to track spending and savings
Apply Now

Flexible

2 linked accounts – SENSE Everyday transaction account and SENSE Savings

Great rate

Earn   p.a. on SENSE Savings

Track savings and spending

One easy statement to set savings goals and track spending history

Visa Debit Card

Shop securely with a Visa Debit card at home, online or overseas using money from your SENSE account

Convenient access

24/7 access at over 2950 St.George / BankSA / Bank of Melbourne / Westpac ATMs and via Internet, Mobile and Phone Banking3

Compare accounts

Sense Savings (Part of St.George SENSE. Must be linked to SENSE Everyday)
Balances up to $4,999.99  p.a.
From $5,000 up to $9,999.99  p.a.
From $10,000 up to $19,999.99  p.a.
From $20,000 up to $49,999.99  p.a.
From $50,000 up to $99,999.99  p.a.
From $100,000 up to $249,999.99  p.a.
$250,000 and over  p.a.
St.George SENSE fees
Monthly account service fee (waived if you deposit a minimum of $2,000 by the last business day every month) $5.00
Transaction fees for everyday banking
Internet Banking transactions Free
Phone Banking transactions Free
Visa Debit transactions Free
St.George / BankSA / Bank of Melbourne / Westpac ATMs (in Australia) Free
eftpos Free
Electronic agency Free
Branch staff assisted Free
Bank@Post™ Free
Other transaction fees (Free monthly withdrawal allowances do not apply to these fees)
Direct Debit Free
Periodical Payment $4.00#
Overseas Cash Withdrawal (including overseas ATM withdrawal) $5.00
St.George / BankSA / Bank of Melbourne ATM Mini transaction history request $0.20
Frequent Statement $2.00 per month
Foreign Currency conversion 3.0%
Collection item Free

# The Periodical payment fee is payable for a transfer of funds that we make on a regular basis at your request from your Account to another specific account. The fee is charged at the time the transaction occurs.
Periodical payments to another account held with St.George, BankSA or Bank of Melbourne are free.

Get great tools to budget and save

With SENSE you’ll save automatically and know exactly where your money goes. Set savings targets and compare spending month by month. No more complicated personal finance programs or saving your receipts – SENSE does it for you!

Sense - Tee

Easy ways to save
Set your target and get an easy-to-read statement each month with colour-coded savings charts. You’ll be earning a competitive interest rate on every dollar in your SENSE Savings account.
Rounding helps you save automatically – purchases using Visa Debit, Freedom Card and BPAY® are rounded up to the next dollar, with the ‘rounding amount’ automatically transferred from your SENSE Everyday transaction account into your SENSE Savings.2
 
Track your spending
Your statement tracks spending in 10 pre-determined categories (e.g. transportation, daily living, loans, etc)4
Compare your monthly spending habits over time to see exactly where your money goes.4

5 reasons to love SENSE

With SENSE you’ll see where your money goes – and save automatically at a great interest rate!

Choose SENSE if you:

  1. Want one easy statement for two great accounts – a high-interest earning account plus a transaction account
  2. Want charts of your saving and spending – without hassles! No complicated personal finance programs or saving every receipt
  3. Want to compare expenses across several months
  4. Love setting a savings target and seeing your progress
  5. Believe ‘every little bit helps’ and want to save automatically.

Apply online

Apply online now, it takes just 10 minutes!

OR

Open an account anywhere, anytime via your smart phone. Simply chose one of the following options:

  • go to the St.George App and select “Open an account’
  • visit m.st.george.com.au and select “Products”
  • logon to the St.George Mobile Banking and tap the ‘New accounts’ tab

Call us

13 33 30 and say “New account” when prompted

Visit a branch

Find your nearest branch

What you'll need

Contact details (address, phone number, email address)

Tips

You don’t have to be an existing St.George customer to apply online.

How to apply

Important information

Conditions and fees apply.

Before making a decision, it’s best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 33 30.

1A flat monthly service fee of $5 will apply to your SENSE Everyday account if you do not deposit at least $2000 before the last business day of the month. There is no monthly fee for your SENSE Savings account.
2‘Purchases’ refers to those made in Australian dollars to a merchant in Australia. We also round withdrawals using your Visa Debit Card when you press the credit button at an ATM and through Bank@Post, and purchase overseas using your Maestro/Cirrus ATM card.
3Subject to systems availability.
4The breakdown of transactions is a guide only. It is not intended to be a substitute for your own budget or financial plan.