Everyday accounts for...
New to Australia?
Sort out your day to day banking in Australia with an everyday bank account.
Concession
A basic, low-cost account for individuals who hold a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are a low or no income earner.
Retirees
An everyday account for eligible retirees aged 55 or older. Offers interest on your balance while still letting you deposit or withdraw funds.
Why St.George?
No monthly fees
Pay zero account-keeping fees to manage your account, regardless of how little you deposit each month.
Bank wherever, whenever
Enjoy freedom and flexibility with the convenience of Internet Banking and Mobile Banking.
Rewards and offers
Check out all the extra value available to debit card holders1, in our My Offers Hub2 and ShopBack.
Savings & Transaction offers
5.15 % P.A.
Total
variable rate
Earn up to 5.15% p.a. with a variable base rate of 0.10% p.a., and a variable bonus* rate of 5.05% p.a. on an Incentive Saver account.
T&Cs apply#
$50
cashback on
your new account
Open a new Complete Freedom account with an eligible savings account by 30 September 2026.
Spend $50 or more within 15 days, and we’ll drop $50 straight into your savings.
T&Cs apply.^
Buy through ShopBack. Get Cashback.
As a St.George customer you can get exclusive access to bonus Cashback and offers through our partner ShopBack when you link your St. George debit card in the ShopBack app.
2. My Offers Hub available to all eligible consumer debit and credit card customers.
* Grow your account by at least $50 a month (for customers 21 or over) or $0.01 a month (for customers under 21), excluding interest, and your account balance does not fall below $0. Bonus interest rate may differ depending on account balance.
This promotion runs from 9 June 2026 to 30 September 2026.
To be eligible you must:
- 18+ and have not held any transaction account or savings accounts with St.George Bank in the last 2 years from the date the last transaction or savings account closure.
- Open a new Complete Freedom account AND, either a Incentive Saver OR Maxi Saver. Accounts must be in the same name, activated and ready to use.
- Make eligible purchases totalling at least $50 using the debit card linked to your account within 15 calendar days of the first account being opened. Transaction(s) must be processed (not pending) by the end of the 15th day.
- Transaction(s) must be customer-initiated and does not include interest payments, direct debits or internal transfers between your St.George Bank accounts.
- Keep the account open for a minimum of 60 days after you meet all other eligibility criteria.
- Hold the accounts in one name only. These accounts cannot be joint accounts.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Incentive Saver OR Maxi Saver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Incentive Saver or Maxi Saver account, the $50 payment will only be made once into the first savings account opened and activated.
- This promotion may be varied or withdrawn at any time. It is not available in conjunction with any other offer unless otherwise stated.Read the Terms and Conditions (PDF 1MB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
Read the Apple Pay Terms and Conditions (PDF 149KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions (PDF 154KB) before making a decision and consider if it is right for you. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions (PDF 54KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.