Bank account & debit card for students

Why?
Features
Special offer
Fees and charges
In detail

Open now Open now

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 fees

Every dollar counts! You won’t pay a monthly service fee while you’re under 21 or a full time student or apprentice

Global ATM network

Use any major bank ATM in Australia or at over 50,000 Global Alliance ATMs around the world without having to pay an ATM withdrawal fee (other fees may apply)

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 at home and overseas

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’re under 14, you get a Freedom card). 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 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.

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 Cash²)

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 Tracker³ 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 16 January 2020 and deposit $500 within 30 days. T&Cs apply*

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

*Important information

$40 Offer: To receive up to $40 credited to an everyday account, customers must open a new Complete Freedom account between 4/10/2019 and 16/01/2020 (inclusive) online, or if under 21 years of age or a full-time tertiary student including apprentices, customers may also open an account in branch; and must deposit a minimum of $500 within 30 days of account opening. Eligible customers will receive $40 deposited into their account within 45 days of account opening following successful identification verification. The account must remain open during this period in order to be eligible for the offer. Excludes customers who hold or have held a transaction account with St.George Bank, Bank of Melbourne or BankSA at any time. Not available with any other offer. Offer limited to one $40 deposit per customer. Where a joint account is opened, if one of the joint account holders has already received their deposit 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.

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

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)

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 958KB)

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. 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, Bank of Melbourne 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.

3. 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.

Everyday Account + Visa Debit Card for Young Adults & Students