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Complete Freedom

A great everyday account packed full of features

Get $50 on us!

New to Complete Freedom? Open an account by 30th of September and deposit $500 within 45 days and we’ll chuck in $50. Conditions apply.*


Gaming Cash Back Offer

Get 10% cash back on your online gaming purchases until 30 September 2017^. Rebate limited to a maximum spend of $200 per month. Available for new and existing eligible Complete Freedom customers.


Open an account in just 3 minutes

Are you a student or under 18?

Forget the monthly service fee and still enjoy the benefits with a Complete Freedom Student Account.

Why open a Complete Freedom account?

Safe and secure everyday account packed with features and clever Mobile and Internet banking.

Complete Freedom account features

ATM network

No ATM withdrawal fee at over 3,000 St.George, Bank of Melbourne, BankSA & Westpac ATMs in Australia and over 50,000 Globally through our Global ATM Alliance (Other fees & charges may apply).

Tap & Pay

Allows you to use your eligible Samsung mobile to make purchases at Mastercard® PayPass™ or Visa payWave contactless terminals.

Fingerprint Login

Sign in to Mobile Banking simply and securely with just your fingerprint on compatible devices.


monthly service fee

When you deposit at least $2,000 by the last business day of every month (otherwise $5/month)2

Visa Debit card1

$0 monthly service fee if you deposit $2,000 per month (otherwise $5 per month)2

Free SMS and email alerts to manage your banking

Unlimited branch withdrawals

Option to link to home loan as an offset account



What you should know about fees and charges. 

Monthly account service fee

(waived if you deposit a minimum of $2,000 by the last business day every month or if you have your St.George home loan repayments automatically deducted from your Complete Freedom Account)

$5 per month

Internet Banking transactions Free
Phone Banking transactions Free
Visa Debit transactions* Free
St.George / Bank of Melbourne / BankSA & Westpac ATMs (in Australia) Free
eftpos Free
Electronic agency Free



Staff assisted




* Merchants may charge a fee for Visa Debit transactions.

(Free monthly withdrawal allowances do not apply to these fees)

Direct Debit


Periodical Payment


Overseas Cash Withdrawal (including overseas ATM withdrawal)


St.George / Bank of Melbourne / BankSA ATM Mini transaction history request


Frequent Statement

$2.00 per month

Foreign Currency Conversion


Collection item


# The Periodical payment fee is payable for a transfer of funds that we make on a regular basis at your request from your Account to another specific account. The fee is charged at the time the transaction occurs.

Periodical payments to another account held with St.George, Bank of Melbourne & BankSA are free.

Frequently asked questions


Get more from your Complete Freedom account

More ways to make your banking easier.



Quick balance

Know exactly how much money you have on hand, at a glance at your smartphone or watch.

Expense Splitter

Paid for dinner or another shared expense? Notify people who owe you as well as keep track of who’s paid you back with Expense Splitter.

Cardless cash

Withdraw cash from any St.George or Westpac ATM by generating a cash code in our Mobile Banking app3.

See how easy switched-on banking can be

Download our apps for iOS and Android


Complete Freedom, and outstanding security

Card on Hold

If you misplace your card, you don't have to cancel it. With the Card Block feature on our mobile banking app, you can freeze it for up to 15 days while you look for it4.

24/7 Fraud monitoring

Whether you're banking online or over the phone, St.George safeguards your information and money with stringent security measures.

Fraud Money Back Guarantee

You'll be reimbursed for any losses due to unauthorised transactions, provided you report it to us promptly and haven't contributed to the loss5.

Switch to St.George

Once you've opened an account with us, switching your banking is now easier than ever.
Connect to your existing bank and import your payees and BPAY® billers into St.George Internet Banking.

Open an account in just 3 minutes

Important information

Fees and Charges apply.

Before making a decision, it’s best to read the terms and conditions and decide whether the product is appropriate for you.

Please read these documents and keep a copy. You can request a paper copy at a branch.The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.

BPAY® Registered to BPAY Pty Ltd. ABN 69 079 137 518

$50 offer:

*Fees and charges apply. Read the terms and conditions before making a decision and consider whether the product is appropriate for you. Excludes customers who have held a Complete Freedom Account with St.George, BankSA or Bank of Melbourne anytime from 30th June 2016. Not available with any other new account offer. Eligible customers need to open a Complete Freedom Account between 1st of July 2017 and 30th September 2017 (inclusive) and deposit a minimum of $500 within 45 days of opening the account. Eligible customers will receive $50 deposited into their account within 52 days of account opening. Offer limited to one $50 deposit per eligible customer. Where a joint account is opened, the offer is limited to only one $50 deposit in respect of the account. If one of the joint account holders has already received their $50 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.

Online gaming offer:

^Offer available on the Complete Freedom and Complete Freedom Student account. Based on eligibility criteria, offer is only available to individuals over the age of 18 years. Available from the 1 October 2016 until 30 September 2017, however St.George reserves the right to withdraw the offer at anytime. Use your Complete Freedom or Complete Freedom Student Visa Debit Card must be used to make purchases on PlayStation Store©, Xbox One©, Steam©, Battle Net©, EA Origin©, Nintendo eShop© and Riot Games©. St.George will reimburse the relevant amounts on a monthly basis within 10 business days from the last business day of each month, account must remain open to receive the rebate. For customers with multiple eligible accounts, or a joint account, the cashback will be capped to one customer.

1. Visa Debit Card: 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.

2. Monthly service fee: of $5 will apply, if by the last business day of the month, you do not deposit a minimum of $2,000.

3. Cardless Cash: is available on eligible transaction accounts with a linked card. 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 and Bank of Melbourne accounts and Mobile Banking apps.

4. Card on Hold: will temporarily stop new transactions on your card for 15 days or until reactivated. The card will automatically reactivate after 15 days if you do not cancel the card. Customers must be registered for St.George Internet Banking. Available on Visa Debit or Visa Credit cards only. Internet connection is required to access St.George Mobile Banking app. Normal data charges apply.

5. 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 the terms and conditions for full details, including when a customer will be liable.

Apple, the Apple logo iPhone, iPad and Apple Watch are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Microsoft and Windows are trademarks of the Microsoft group of companies.