2 linked accounts – SENSE Everyday transaction account and SENSE Savings
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
|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|
|Branch staff assisted||Free|
|Other transaction fees (Free monthly withdrawal allowances do not apply to these fees)|
|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%|
# 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.
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!
|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|
With SENSE you’ll see where your money goes – and save automatically at a great interest rate!
Choose SENSE if you:
Apply online now, it takes just 10 minutes!
Open an account anywhere, anytime via your smart phone. Simply chose one of the following options:
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)
You don’t have to be an existing St.George customer to apply online.
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.