Everyday Account + Visa Debit Card for Young Adults & Students

Complete Freedom with Visa Debit Card access

Why?
Features
Special offer
Fees and charges
In detail

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Young adult or tertiary student looking for an everyday account

St.George Complete Freedom is a transaction account designed for day-to-day banking needs

No account-keeping fees

Every dollar counts! You won’t pay any account-keeping fee on your Complete Freedom transaction account

My Offers Hub

Access to offers and benefits on popular lifestyle brands just for being an eligible* cardholder

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

Easy access to your money

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 card (if you are 14 years and over)². If you’re heading overseas you can also use it for your travel expenses – from tickets and accommodation, to shopping worldwide anywhere Visa is accepted.

Mobile Banking

Manage your money on the go with the St.George Bank mobile banking app. Not only can you check your account balance with just a swipe, you can also transfer money between accounts or to someone else, find your nearest ATM and keep tabs on your transactions.

Apple Pay

Fast, secure, contactless. Apple Pay lets you pay in-store and online with your St.George Visa Debit card using your favourite Apple device. Find out more

Here are some clever ways you can manage your money

Lost your card?

Lock your card in a flash with the St.George app (you can still get cash out from your account with Cardless Cash³)

Get balance alerts

Set up alerts to let you know if your balance is low or when you’ve been paid

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

Monitor your budget

With Spend Tracker⁴ you can keep tabs on where your money goes day-to-day within our banking app. It automatically categorises your transactions so you can see in an instant where your money is going

Special offer

$40

on us!

Get $40 with a new Complete Freedom everyday bank account when you apply online by 28th September 2022 and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. New transaction account customers only. Exclusions, T&Cs apply*.

>I'm a full time student over 21
>I'm under 21

*Important information

$40 Offer: Fees and charges apply. Read the terms and conditions available at stgeorge.com.au before making a decision and consider whether the product is right for you. To be eligible for the $40 offer you must: open a new Complete Freedom account online between 1/04/2022 and 28/09/2022, and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. Eligible card purchases are purchases made using your St.George Bank Bank debit card linked to your Complete Freedom account and have these settled (not pending). The following transactions are ineligible: ATM transactions, BPAY, EFTPOS cash out only transactions, gambling transactions and purchases settled to a credit card account. If eligible you will receive $40 into your Complete Freedom account within approximately 50 days of opening. The account must remain open during this period in order to be eligible for the offer. New Complete Freedom account customers only. All account holders on the new Complete Freedom account must not currently hold or have previously held a St.George Bank, Bank of Melbourne or BankSA transaction account, or received this cashback offer at any time to be eligible. Where a joint account is opened, if one of the joint account holders has already received their cashback in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account. Offer is limited to one eligible account and is not available in conjunction with any other offer.

Read the Terms and Conditions, including for fees and charges that may apply, before making a decision and consider if it is right for you.

Fees and charges

$0.00 Account-keeping fee
$0.00 Cash withdrawals on major bank ATMs in Australia (Certain ATM providers may still charge a fee)
$5.00
Overseas withdrawal fee ($0 when you use our Global Alliance ATMs)
3.00% Foreign currency conversion
$15.00 Overdrawn fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1MB)

The legal 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

Here’s how to get started

Get your ID ready and open your account online – it only takes a few minutes
Types of ID you can use

Start using your account instantly online while we get your Visa Debit card in the mail

Have a job? Ask your employer to deposit your pay straight into your account – the same goes if you’re getting an allowance

Not right? Try these.

Complete Freedom

Smart banking

All transaction accounts

All accounts

Important information

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 14 years old or over. If you’re 12 or 13 years old and have an Australian residential address, you can request a Freedom Card in branch.

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.

* Refer to Terms and Conditions for more details

Read the Apple Pay Terms and Conditions (PDF 55KB) 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.