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Here’s how your new interest rate compares

1.10 % P.A.

Standard variable base rate
Maxi Saver

What your money is currently earning with a Maxi Saver standard variable base interest rate.

5.00 % P.A.

Total variable rate
Incentive Saver

What your savings could earn up to with your Incentive Saver account (includes 1.85% p.a. variable base rate and a variable bonus rate of 3.15% p.a. when you grow your balance each month)

4.30 % P.A.

Fixed rate for 12 months
Term Deposit

For balances between $1,000 and $250,000 with interest paid on maturity. Plus as an existing St.George customer, you may also be eligible for a bonus rate on top of our standard rates

Get rewarded for saving with an Incentive Saver account

With an Incentive Saver account, you can enjoy:
Bonus interest
Enjoy a variable savings rate of up to 5.00% p.a1 when you grow your account balance by $50 each month1 and your account balance does not fall below $0.
Personalise your account
Saving for something special? Name your account to suit your goal
Strong base rate
Earn a competitive base rate even when you don’t grow your balance


Account balance Variable interest rate Potential bonus interest rate1 Potential total interest rate
Up to $99,999.99 1.85% 3.30% p.a. 5.15% p.a.
$100,000 to $249,999.99
1.85% 3.30% p.a. 5.15% p.a.
$250,000 and over   1.85% 3.15% p.a. 5.00% p.a.



Prefer a fixed-term savings rate?


  • Pick the term that suits you and enjoy the security of a fixed interest rate
  • Manage your account via Online Banking; no need to call or visit a branch
  • Choose to have your interest paid monthly, keeping your income regular

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

1. Bonus interest: payable for each month the account’s monthly closing balance (excluding interest), being the day after the last business day of the previous month to the last day of the current month, has not fallen below zero and has grown compared to its opening balance as stipulated below. For customers aged 21 years and over: When you grow your account by at least $50 a month. For customers aged under 21 years: When you grow your account by $0.01 a month. (Please note, for joint accounts, both account holders must be under 21).