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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
Get access to My Offers Hub2 and ShopBack where you can find discounts, benefits & Cashbacks on popular lifestyle brands just for being and 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

Want up to $40 cashback on your groceries?

Open a Complete Freedom account online by 30th September 2024 and spend at least $40 on your new Visa Debit Card at Woolworths or Coles and get $10 cashback once per month up to 4 times.

New transaction account customers only

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


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.

New to ShopBack? Join ShopBack and link your eligible St.George card to get $30 bonus Cashback into your ShopBack account when you make your first purchase of $20 or more. Offers ends 15 August 2024. 

Eligibility, T&Cs apply. New ShopBack customers only. Cashback paid into ShopBack account.

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

The legal stuff

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges.

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
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. You must be 18 years or older to use Cardless Cash.
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.

5. Refer to Terms and Conditions for more details

*$40 cashback offer: Fees and charges apply. To receive up to $40, you must: open a new Complete Freedom account online between 01/02/24 and 30/09/24 and have a linked St.George Visa Debit Card on the account, and have never held a transaction account with St.George before. You must spend a minimum of $40 per calendar month for the next 4 months at Coles or Woolworths supermarkets excluding subsidiary brands, such as Coles Express, Woolworths Metro, service station outlets or liquor retailers. The offer will commence the calendar month following the successful account opening of your Complete Freedom account. Payment must be contactless or online, using your debit card linked to your Complete Freedom account. The monthly minimum spend must be processed to your account within the calendar month. Refunds or cancelled purchases are ineligible spend. If a mobile wallet is used to make contactless payment, the payment option must be set to VISA. EFTPOS cash out only transactions, the purchase of gift card in a single transaction, grocery delivery services, purchases processed through PayPal, Buy Now Pay Later providers, and purchases settled via a linked credit card or Freedom card are ineligible. If eligible, you will receive $10 into your Complete Freedom account for each month that you complete the minimum $40 spend requirement and the cashback reward will be credited to your account by the end of the following month. The new Complete Freedom account must remain open during this period in order to be eligible for the offer. If the account is closed, you will forfeit the right to the cashback reward that has not been credited to the account. For joint accounts, at least one of the account holders must not have held a St.George bank transaction account before, and the spend on each joint account owners Visa Debit Card will contribute towards the monthly spend requirement, however, only one cashback reward will be issued per account. The offer is not available in conjunction with any other offer and can be withdrawn at any time.​

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

Read the  Apple Pay Terms and Conditions (PDF 46KB) 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.