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An everyday bank account with features to help you access your money with ease

$0 account-keeping fee
We’ve removed our account-keeping fee for all our customers, so there’s no need to make a minimum deposit each month 
$0 dishonour & overdrawn fees
If you have insufficient funds in your account to cover the transaction amount or your account is overdrawn
$0 ATM fees
ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!)
Fraud Protection
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

With a Visa Debit card you can use your own money to shop instore, online or over the phone. You can also use Visa payWave for purchases under $2003, so you all need to do is wave and go without needing to enter a PIN.


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.

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.

Features to help you keep track of your money

Spend Tracker

All your transactions grouped into categories to help you track your spending habit2

Quick Balance

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

Card Lock

Misplaced your card? You can place a temporary lock on your card for up to 15 days while you look for it

In detail

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

How to apply?

Apply in branch or over the phone

The Concession account is available to individuals who hold a Concession or Health Care card, or receive an Australian Government benefit payment that makes you eligible to hold a Concession or Health Care card.

A list of eligible payments can be found at Service Australia and Department of Veterans' Affairs.

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.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.

3. As at 7 April 2020, the Visa payWave transaction limit has been temporarily increased from $100 to $200. This is a temporary increase, that is being progressive rolled out, and will be only available on certain cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the Visa payWave limit is part of an industry-wide response to help reduce the spread of COVID-19. 

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.