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Concession Account

A low cost, easy-to-use transaction account for Concession Card holders

For concession card holders

  • Designed especially for concession card holders

Easy access

  • Easy access at any St.George branch, St.George / BankSA / Bank of Melbourne / Westpac ATMs (in Australia), eftpos, BPAY®, Bank@Post™, Internet and Phone Banking
  • Regular account statements

Free everyday transactions

Internet and Phone Banking

No account service fee

  • $0

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Concession Account fees

Monthly account service fee


Transaction fees for everyday banking
(payable per transaction)

Internet Banking


Phone Banking


Visa Debit transactions3


Branch staff assisted




Electronic agency


St.George / Bank of Melbourne / Westpac / BankSA ATMs




Direct Debit


Periodical Payment


Overseas Cash Withdrawal (including overseas ATM withdrawal)


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


Frequent Statement (per month)


Foreign Currency Conversion


Collection item


Low-cost easy banking

Our Concession Account is designed especially for people who hold Concession Cards. It’s an easy, affordable way to bank.

Easy access to your bank account

At any St.George branch

  • Enjoy personal service from our helpful staff at any St.George branch
  • Unlimited withdrawals can be made free at any St.George branch.

Plus free online, over the phone, at ATMs and more!

Need help getting started with new ways to bank? We’re here!

Just ask at any branch or call us on 13 33 30 for help with:

Keeping track of your Concession Account is easy!

Paper Statements

Posted to you every 6 months3

Internet Banking

View your account online anytime with Internet Banking2

Mini transaction history

Available at any St.George ATM


View, print and save up to 2 years of statements online when you choose eStatements

Yearly interest summary

View and print your Financial Year interest summary with Internet Banking

Are you eligible for a Concession Account?

To be eligible, you must hold one of these cards:

  • Commonwealth Government Health Concession Card
  • Senior’s Card.

When you apply at any St.George branch, you’ll need to bring your card with you.

Need more information about Concession Cards?

Visit the Australian Government Centrelink website

Call us

13 33 30 and say "New account" when prompted

Visit a branch

Find your nearest branch

What you'll need

  • Contact details (address, phone number, email address)
  • Proof of your eligibility.

Find out what information you need to provide to become a customer


Important Information

Conditions and fees apply.

Before making a decision, it’s best to read the terms and conditions:

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.

1 Subject to systems availability.

2 You have the option to receive statements more frequently.

3 To be eligible for a Visa Debit Card you must have an Australian residential address and be over 14 years of age.