Skip to main content Skip to main navigation Skip to accessibility page Skip to search input

 

 

The  St.George Incentive Saver account comes with a  Complete Freedom everyday account so you can easily transfer money in and out. We’ll only open a Complete Freedom account if you don't already have one.

To open you need to be at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).

Incentive Saver

  • An account that rewards you for staying focused on saving
  • Up to 5.15% p.a. variable interest (1.85% p.a. variable base rate plus + 3.30% 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).

     

+

Complete Freedom (if you don't already have one)

  • An everyday account with a Visa Debit Card¹ to make deposits and withdrawals, payments online or on the St.George Mobile App
  • $0 Account-keeping fee.

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.

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:

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
 

1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over.

^ Rate applies when your daily account balance remains between $0 - $249,999.99 for customers aged 21 years and over: grow your account by at least $50 a month excluding interest. For customers aged under 21 years (for joint accounts, both account holders must be under 21): grow your account by $0.01 a month excluding interest. Variable bonus interest rate may differ depending on account balance. View rates for balances above $250,000.