Everyday accounts

Everyday Account + Visa Debit Card For High Schoolers 

Complete Freedom with Visa Debit Card access

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High schooler looking for an everyday account

Start out in the right direction with a Complete Freedom account
No account fees
Every dollar counts, so there’s no monthly service fee while you’re under 21 or a full time student
Part time job?
Arrange to get paid straight into your new account
Fraud money back guarantee
We’ll refund you 100% of any money taken from your account if you’re a victim of fraud provided you let us know right away1

    

Get easy access to your cash when you need it


Visa Debit Card

In a store, overseas, online or on the phone – pay for what you need with your own money using a Visa Debit card2 (if you’re under 14, you get a Freedom card). You can also use it to get money out from ATMs.

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Mobile Banking

With the St.George mobile banking app you can take your bank with you on your phone – see how much you’ve got in your account with just a swipe, transfer money between your accounts and find your nearest ATM.

    

Smarter ways to manage your own money

Lost your card?
No worries! You can lock it in an instant with the St.George app (you can still get cash out from your account with Cardless Cash3)
Budget with ease
With Spend Tracker4 you can keep an eye on where your money is going – it’s an easy way to see where you might be able to tweak your spending
Need to split a bill?
Pay or get paid by anyone, anytime, securely and in real time with the Beem It app when you link your Visa Debit Card
Keep tabs on your cash
Finding out how much you have in your account is as easy as taking a quick glance at your smartphone or watch

Easy, secure, and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

Special offer

$50

on us!

Get $50 with a new Complete Freedom everyday bank account when you apply online by 30th June 2020 and deposit $500 within 30 days. T&Cs apply*

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Fees and charges

  • FREE eftpos and Visa Debit transactions
  • $0.00 Monthly account service fee for under 21s and students, including apprentices
  • FREE ATM use in Australia (St.George/ Bank of Melbourne/ BankSA and Westpac ATMs in Australia)
  • $5.00 Overseas cash withdrawal ($0 when you use our Global Alliance ATM)
  • FREE Overseas cash withdrawal from a Global Alliance Partner ATM
  • 3.00% Foreign currency conversion
  • FREE Internet, mobile and phone banking transactions
  • $4.00 Periodical payment
  • FREE Direct debit
  • $2.00 Frequent statement (request statement outside of cycle)
  • FREE Cheque
  • $0.20 ATM mini transaction history request (St.George/ Bank of Melbourne/ BankSA and Westpac ATMs in Australia)
  • FREE Staff assisted (branch and telephone)
  • $15.00 Payment Honour fee
  • $5.00 Dishonour fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 945KB)

The technical stuff

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges.
T&Cs and Fees
Internet and Mobile banking T&Cs

Getting started is as easy as 1, 2, 3...

1.
Get your ID ready and open your account online – it only takes a few minutes
Types of ID you can use
2.
Start using your account instantly online while we get your Visa Debit card in the mail
3.
Already have a job? Ask your employer to deposit your pay straight into your account– the same goes if you get an allowance from your parents
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Not right? Try these.

Complete Freedom

Smart banking

All transaction accounts

All accounts

1. Our St.George Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.

2. 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.

3. 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, Bank of Melbourne, BankSA and Westpac accounts and Mobile Banking apps.

Cardless Cash is only available on the above accounts if the account is active and is not subject to an account block/restriction. An account may be subject to a block/restriction for a number of reasons including bankruptcy and account disputes.

4. The Spend Tracker tool provides general information only and does not take into account your personal circumstances. It is intended to be a guide only.

Read the Apple Pay Terms and Conditions (PDF 53KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.