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

Complete Freedom

A great everyday account packed full of features

Get 10% cash back on your online gaming purchases until 31 March 2017^.
Rebate limited to a maximum spend of $200 per month. Available for new and existing eligible Complete Freedom customers.

Open an account in just 3 minutes


Complete Freedom account features

ATM network

No ATM withdrawal fee at over 3,000 St.George, Bank of Melbourne, BankSA & Westpac ATMs in Australia

Visa payWave

Shop securely with a Visa debit card1 including paywave

Bank on the go

Internet, mobile & phone banking

Why open a Complete Freedom account?

Safe and secure everyday account packed with features and clever Mobile and Internet banking.


monthly service fee

When you deposit at least $2,000 by the last business day of every month (otherwise $5/month)2

$0 monthly service fee if you deposit $2,000 per month (otherwise $5 per month)2

Free SMS and email alerts to manage your banking

Unlimited branch withdrawals

Option to link to home loan as an offset account



What you should know about fees and charges. 

Monthly account service fee

(waived if you deposit a minimum of $2,000 by the last business day every month or if you have your St.George home loan repayments automatically deducted from your Complete Freedom Account)

$5 per month

Internet Banking transactions Free
Phone Banking transactions Free
Visa Debit transactions* Free
St.George / Bank of Melbourne / BankSA & Westpac ATMs (in Australia) Free
eftpos Free
Electronic agency Free



Staff assisted




* Merchants may charge a fee for Visa Debit transactions.

(Free monthly withdrawal allowances do not apply to these fees)

Direct Debit


Periodical Payment


Overseas Cash Withdrawal (including overseas ATM withdrawal)


St.George / Bank of Melbourne / BankSA ATM Mini transaction history request


Frequent Statement

$2.00 per month

Foreign Currency Conversion


Collection item


# The Periodical payment fee is payable for a transfer of funds that we make on a regular basis at your request from your Account to another specific account. The fee is charged at the time the transaction occurs.

Periodical payments to another account held with St.George, Bank of Melbourne & BankSA are free.

Frequently asked questions


Open an account in just 3 minutes


Other ways to open an account

You can also apply over the phone or in branch.


Get more from your Complete Freedom account

More ways to make your banking easier.



Quick balance

Know exactly how much money you have on hand, at a glance at your smartphone or watch.


Fingerprint login

Is as secure as the other login methods, and it's backed by the same fraud protection3.


Cardless cash

Withdraw cash from any St.George ATM by generating a cash code in our Mobile Banking app4.

See how easy switched-on banking can be

Download our apps for iOS, Android and Windows.


Complete Freedom, and outstanding security

Card Block

If you misplace your card, you don't have to cancel it. With the Card Block feature on our mobile banking app, you can freeze it for up to 15 days while you look for it5.

24/7 Fraud monitoring

Whether you're banking online or over the phone, St.George safeguards your information and money with stringent security measures.

Fraud Money Back Guarantee

You'll be reimbursed for any losses due to unauthorised transactions, provided you report it to us promptly and haven't contributed to the loss3.

Important information

Fees and Charges apply.

Before making a decision, it’s best to read the terms and conditions and decide whether the product is appropriate for you.

Please read these documents and keep a copy. You can request a paper copy at a branch.The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.

BPAY® Registered to BPAY Pty Ltd. ABN 69 079 137 518

^Offer available on the Complete Freedom and Complete Freedom Student account. Based on eligibility criteria, offer is only available to individuals over the age of 18 years. Available from the 1 October 2016 until 31 March 2017, however St.George reserves the right to withdraw the offer at anytime. Use your Complete Freedom or Complete Freedom Student Visa Debit card to pay for digital video gaming purchases on online platforms and St.George will reimburse you 10% on these purchases. Rebate limited to a maximum spend of $200 per month. Digital video game purchases refers to Visa Debit Card purchases made on PlayStation Store©, Xbox One©, Steam©, Battle Net©, EA Origin© and Riot Games©. St.George will reimburse the relevant amounts on a monthly basis within 10 business days from the last business day of each month, account must remain open to receive the rebate. For customers with multiple eligible accounts, or a joint account, the cashback will be capped to one customer.

1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be over 14 years of age. If you’re under 14, you can apply for a Freedom Card.

2. The monthly service fee of $5 will apply, if by the last business day of the month, you do not deposit a minimum of $2,000.

3. Refer to the terms and conditions for full details, including when a customer will be liable.

4. Cardless Cash is available on eligible transaction accounts with a linked card. Cardless Cash limit of 3 cardless transactions per day, subject to daily withdrawal limit of $500 and weekly withdrawal limit of $1,000. All Cardless Cash limits apply across St.George, BankSA and Bank of Melbourne accounts and Mobile Banking apps.

5. Card Block will temporarily stop new transactions on your card for 15 days or until reactivated. The card will automatically reactivate after 15 days if you do not cancel the card. Customers must be registered for St.George Internet Banking. Available on Visa Debit or Visa Credit cards only. Internet connection is required to access St.George Mobile Banking app. Normal data charges apply.

6. Subject to system maintenance and availability.

Apple, the Apple logo iPhone, iPad and Apple Watch are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Microsoft and Windows are trademarks of the Microsoft group of companies.