Everyday Account + Visa Debit Card for Young Adults & Students
You could get $40 cashback on your grocery shopping with our no-account-keeping fee, feature-packed Complete Freedom account*.
Hot deal for new Complete Freedom account customers:
Get $40 cashback on your grocery shopping
Open a Complete Freedom account, then activate your St.George Visa Debit Card to link it to your account and add to your mobile wallet.
Offer expires 30 Sep 2025. Customers ages 14+ only.
Spend at least $160 on your new digital Visa Debit Card within 60 days at Woolworths or Coles.
Mobile wallet only, either through Tap & Pay or online payment.
$40 cashback will be deposited into your account within 60 days of meeting the eligible spend requirement.
Customers who have held a St.George Transaction account in the last 2 years are ineligible for this offer.
T&Cs apply*
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
Young adult or tertiary student looking for an everyday account
Buy through ShopBack. Get Cashback.
As a St.George customer you can get exclusive access to bonus Cashback and offers through our partner ShopBack when you link your St. George debit card in the ShopBack app.
Here are some clever ways you can manage your money
The legal stuff
Here’s how to get started
Types of ID you can use
Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges.
Terms and conditions including fees for Transaction, Savings and Investment Accounts (PDF 1MB)
4. Refer to Terms and Conditions for more details
* $40 cashback offer:
To be eligible for this offer, you must:
1.Open a new St.George Complete Freedom account either online or in branch between 1st February 2025 to 30th September 2025 and have a linked St.George Visa Debit Card on the account.
2.Spend a minimum of $160 on eligible transactions (detailed below) within 60 days from the account opening, at Coles or Woolworths supermarkets (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers).
3.The offer will commence from the opening date of your Complete Freedom account.
- This offer is available only to customers who open a new Complete Freedom account, either online or in branch. Accounts opened via 3rd Party Brokers are excluded.
- To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example:
- If you currently hold a St.George account, you can still open a Bank of Melbourne or BankSA account and be eligible, as long as you haven’t held an account with Bank of Melbourne or BankSA in the last two years.
Eligible Transactions:
- Payments must be contactless, and made using your Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment (in-store tapping/swiping/inserting of physical cards is not eligible).
- When a mobile wallet is used, the payment option must be set to Visa.
- The minimum total spend of $160 at Coles or Woolworths supermarkets, (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers), must be processed to your account within the 60 days from the account opening. Refunds, cancelled purchases, and ineligible transactions (as listed below) are excluded.
Ineligible Transactions:
- EFTPOS cash-out only transactions, purchase of gift cards in a single transaction, third party grocery delivery services (such as Uber), purchases processed through PayPal, Buy Now Pay Later providers, and purchases settled via a linked credit card or Freedom card are ineligible.
- Refunds or cancelled purchases are ineligible spend.
- Joint accounts: Each cardholder’s Visa Debit Card contributes towards the 60 day spending requirement, but only one cashback reward will be issued per joint account. At least one account holder must not have held a St.George transaction account in the last 2 years.
- Account closure: The Complete Freedom account must remain open during the promotion period to be eligible for cashback. If the account is closed, you will forfeit any cashback reward that has not been credited.
Cashback Credit:
- $40 total cashback is available when you meet the $160 eligible spend within 60 days of account opening.
- Cashback will be credited within 60 days of meeting the eligible spend requirement.
- This offer is not available in conjunction with any other offer and can be withdrawn at any time.
- Fees and charges apply. Read the Terms and Conditions (PDF 1MB) (PDF 1MB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
Important Note:
Newly opened Debit Accounts will not require approval. However, card delivery [generally] takes 7 – 10 business days to be mailed to customers.