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Transferring money

Here are the answers to frequently asked questions about transferring money online.

Between my St.George accounts:

To accounts in Australia:

  • Yes. You can transfer to other banks, or to somebody else's account within St.George, by using the 'Transfer funds within Australia' function, located within the Transfers, payments & BPAY menu.

    You'll need details of the account, including the BSB Number, Account Number and Account Name.

    You may choose to save these account details for future use; they'll be available within your Internet Banking account should you wish to transfer money to that particular account again.

    Any account you set up and save in Internet Banking will be available via Phone Banking the next day.

  • To transfer to another account in Australia, you will need the following details:

    1.BSB Number

    2.Account Number

    3.Account Name.

    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.

  • Yes. You can schedule a transfer up to 24 months in advance. You can also set up regular payments daily, weekly, fortnightly or monthly for up to 24 months in advance.

  • 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.

    To increase the daily limit to $100,000, complete the Internet and Phone Banking - Payee Account Information (also known as 'Third Party') form and return it to the specified department.

    Please allow up to 2 business days for the form to be processed.

  • 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.

  • You can include up to 20 Payees in one group.

  • Yes. You can edit or delete groups at any time by logging onto Internet Banking.

  • 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.

To an international account:

From an international account:

  • 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.