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 4.40% p.a. variable interest (0.10% p.a. variable base rate plus + 4.30% p.a. variable bonus rate) ^
- $0 Account-keeping fee and transaction fees
- 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.
Want $50 back on your new account?
Open a new Complete Freedom account with an eligible savings account by 20 April 2026.
Deposit $50 or more within 10 days, and we’ll add $50 into your savings.
New customers only. T&Cs apply.*
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 1MB) 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 2MB) 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 1MB) 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 2MB) 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.
Important information
This promotion runs from 1 February 2026 to 20 April 2026.
Eligibility criteria:
You must:
- Not have held either a transaction account or savings accounts with St.George Bank in the last 2 years (applies to both account holders for joint accounts)
- Open a new Complete Freedom Account AND, either an Incentive Saver OR Maxi Saver. Accounts must be in the same name, and active and ready to use.
- Open both accounts and deposit $50 or more into your Complete Freedom transaction account within 10 calendar days. Deposit(s) must be processed (not pending) by the 10th day.
- Deposit must be customer-initiated and does not include interest payments into the account.
- Keep the account open for a minimum of 60 days after your eligible deposit.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Incentive Saver / Maxi Saver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Incentive Saver / Maxi Saver account, the $50 cashback will be made to one account only. It will be the first savings account opened and active.