Take charge of your money on payday with two linked accounts to help you budget
Savings & Transaction offers
4.65 % P.A.
Total
variable rate
Earn up to 4.65% p.a. with a variable base rate of 0.10% p.a., and a variable bonus* rate of 4.55% p.a. on an Incentive Saver account. Only on balances remaining below $250,000.
T&Cs apply#
$50
when you bank
and save together
Open a new Complete Freedom account with an eligible savings account by 20 April 2026.
Deposit $50 within 10 days, and we’ll drop $50 straight into your savings.
New customers only. T&Cs apply.^
What you get
Visa debit card
Access your everyday account wherever Visa is accepted1
Internet banking
Manage your money online wherever you are, whatever you're doing
Automatic transfers
Set up monthly deposits from your everyday account into your savings account via online banking
Spend tracker
All your transactions grouped into categories, to help your track your spending habits
Card Lock
Misplaced your Visa debit card? Temporarily lock your card for up to 15 days while you look for it
Fees you might pay
Complete Freedom
-
$0.00 Account-keeping fee
-
$5.00 Overseas withdrawal fee ($0 when you use our Global Alliance ATM )
-
3.0% Foreign currency conversion
-
Free Periodical payment
-
$0.00 Frequent statement (request statement outside of cycle)
Incentive Saver
-
Free Account-keeping fee
-
$5.00 Overseas withdrawal fee ($0 when you use our Global Alliance ATM )
-
3.0% Foreign currency conversion
-
Free Periodical payment
-
Free Frequent statement (request statement outside of cycle)
In detail
How to open accounts with us
Download our app
1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over.
# Incentive Saver offer: Grow your account balance by at least $50 a month (for customers 21 or over) or $0.01 a month (for customers under 21), excluding interest paid, ensuring your account balance remains between $0 - $249,999.99.
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.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.