Summary
Before you get started, here’s a quick recap of what you’re applying for.
Incentive Saver
- An account that rewards you for staying focused on saving
- Up to 4.65% p.a. variable interest (0.40% p.a. variable base rate plus + 4.25% p.a. variable bonus rate) ^
- $0 Account-keeping fee and transaction fees
- New Incentive Saver customers can earn an additional 0.10% p.a. on top of the variable bonus rate for the first 3 months when you open online
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
- To open an account for a trust or self-managed super fund, please visit us in branch.
What kind of account do you need?
Are you already a St.George customer?
What to have handy?
- Your St.George Internet Banking logon details.
By continuing you agree:
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide and Credit Guide (PDF 890KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Transactions and Savings/Investments Terms and Conditions (PDF 1MB) and the Terms and Conditions for Internet Banking and Phone Banking (PDF 1MB) that apply to the products and services you are applying for.
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To acknowledge your obligations including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
What to have handy?
Your mobile
A secure code will be sent to your mobile to verify your phone number.
Two of these ID documents
- Passport
- Medicare card
- Australian driver licence
- Australian birth certificate
If your details are entered incorrectly or we’re unable to identify you, your application will need to be completed in branch.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Tax details
- Foreign tax information. Only applicable if you’re liable to pay tax in another country
- Your Tax File Number (TFN). Providing this isn’t compulsory, however if you don’t provide it or provide a TFN exemption reason, tax may be withheld on the interest earned on the account.
By continuing you agree:
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide and Credit Guide (PDF 890KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Transactions and Savings/Investments Terms and Conditions (PDF 1MB) and the Terms and Conditions for Internet Banking and Phone Banking (PDF 1MB) that apply to the products and services you are applying for.
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To acknowledge your obligations including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
Are both applicants already St.George customers?
Complete your application in branch or over the phone
To open your joint account:
- Phone, with both applicants on the call. 13 33 30, 8am – 8pm (Sydney Time) Monday to Friday (excluding public holidays), or +61 2 9155 7800 from overseas
- Visit a branch, with both applicants attending. To ensure we’re best prepared to help you, please call the branch first to make an appointment. Find nearest branch
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Complete your application in branch together
To open your joint account, you’ll need to visit a St.George branch together.
Please make sure you bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our St.George Identification Checklist (PDF 845KB) to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.