The two balances that appear on your account details screen are your current and available balance. Your current balance is the total amount of your account including pending transactions. The available balance is the amount that is accessible for you to utilise.
To transfer to another account in Australia, you will need the following details:
Please be aware that when administering a transfer to an account in Australia, we use only the BSB and Account Number. We will not check the Account Name you provide. Please ensure that the BSB and Account Number you provide are correct.
In some cases, the financial institution receiving the funds may reject the payment if the Account Name is incorrect. However, the receiving institution is not obliged to verify the Account Name.
Transfers to an account in Australia require additional processing times due to the processes involved. If the payment is made by 5.30pm AEST, in most cases it will be credited to the account the next working day. However, regardless of whether the payment is made to a St.George account or to another financial institution, we require at least one day to process our side of the transaction. In addition, St.George cannot control when a Third Party Bank processes its side of the transfer/payment.
Therefore we advise you to allow up to two working days for transactions to be processed. Rest assured that St.George will always endeavour to process all transactions in a timely manner.
If you have set up the account via Internet Banking, there is a cumulative limit of $5000 per account per day. There is a maximum limit of $25,000 per day. For example, if you have 5 different accounts, you can transfer $5,000 to each account per day.
Once a transfer has been confirmed via Internet Banking, we are unable to stop or cancel payment.
If you have made a payment incorrectly, please contact our Internet Banking Helpdesk on 13 22 66 (+61 2 9845 4160 overseas) 24 hours a day, 7 days a week.
There are two procedures that can be initiated:
1.Recall - A recall will endeavour to retrieve the funds from the credited account. This is a manual process and may take up to 4-6 weeks (not including weekends). Please be aware that we cannot guarantee return of the funds. Read our Terms and Conditions for more information relating to this.
2.Trace - A trace will locate the destination of the funds. This is a manual process and may take up to 1-2 weeks (not including weekends). Fees may apply.
You can delete Payee accounts at any time by logging on to Internet Banking. Unfortunately, you cannot edit Payee accounts. If you wish to edit a Payee account, you'll need to delete it and create a new one.
Yes. You can set up a transfer to a group of Payees using the 'Group Payments' function, located within the 'Transfers, Payments & BPAY menu. You can also set up regular transfers daily, weekly, fortnightly or monthly, or schedule a single payment for a later date, up to 24 months in advance.
To view a list of your ‘Payee accounts’, simply visit the ‘Transfer, payments & BPAY’ menu. On the right hand side, under the heading ‘Manage my’, select the link ‘Payee accounts’. This will display a list of all your saved payees.
You may return the signed form via mail or fax. Please allow up to two working days for the request to be processed. Once it is processed, you will have access to this function the next time you log on to Internet Banking.
Payments that are confirmed before 5pm AEST, Monday to Friday, will be processed on the same business day. However, the time it takes for the money to be credited to an international account will vary and we cannot indicate a specific timeframe.
The fee to request a transfer to an international account via Internet Banking is $20. In addition, there may be further costs incurred by the intermediary bank and/or overseas bank in the handling of the request. This fee will be debited from the amount sent.
You may wish to investigate whether the intermediary bank and/or overseas bank charges a fee for the receipt of any transfer to an international account. If so, you may add this amount to the amount requested for the international transfer.
Yes. A trace would be requested in circumstances where the Beneficiary claims non-receipt of funds. A cancellation would be requested in circumstances where you want the payment to be returned by the overseas party. In these cases, the Bank will endeavour to have the payment returned. Only on receipt of the funds from the overseas bank will the funds be credited to your account. Fees may apply.
When we are successful in having funds returned and the original transaction is in foreign currency, these funds will be converted at the Bank's buying rate of exchange and credited to your account. Overseas bank charges are likely to apply, and will also be deducted from the proceeds.
You may initiate either of these requests from the Transfers, payments & BPAY menu within Internet Banking.
If you're receiving a deposit into your St.George account from an overseas account by telegraphic transfer, your payer may be asked to enter the St.George SWIFT code/SWIFT BIC Address, which is: SGBLAU2S.
If you are receiving money from a US Bank, your payer may be asked to enter the Routing Number, which is: 021 000 021.
Your payer may also be asked for the address for international payments which is your branch address.
You will also have to provide your 12 digit account number. This is the last 3 digits in your BSB & your Account No. which is available on your account statements or internet banking.
For fees and charges information kindly refer to the “For Inward telegraphic transfer (plus overseas bank charges)” section.