Everyday accounts

Concession Account

A low-cost account for 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.

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.

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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.

Dive into The Olympic Games Paris 2024, thanks to Visa.

When you shop on the St.George Lounge on ShopBack

Your next steps to Paris 2024:

  1. Link your Eligible St.George Visa Debit or Credit card to ShopBack
  2. Shop your favourite brands in the St.George Lounge on the ShopBack app using your linked St.George Visa card  
  3. Complete and submit the Entry Form on the St.George Lounge on the ShopBack app 

Every Qualifying Transaction is eligible for a new entry.

Competition ends 16th May 2024.

Offer closes 16.5.24 T&Cs, eligibility criteria apply. Authorised under: NSW Permit No:TP/00083 NTP/09279,  SA Permit No: T24/465, ACT Permit No: TP24/00554. Promoter is St.George Bank a Division of Westpac Banking Corporation ABN 33 007 457 141.

View full promotion terms and conditions

Find out more

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

Fees and charges

  • $0.00 Account-keeping fee
  • $0.00 Cash withdrawals on major bank ATMs in Australia (Certain ATM providers may still charge a fee)
  • $5.00
    Overseas withdrawal fee ($0 when you use our Global Alliance ATMs)

     
  • 3.00% Foreign currency conversion
  • $0.00 Overdrawn fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 1MB)

In detail

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

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.

Call us

13 33 30

Say "New account"  when prompted

Visit a branch

Find your nearest branch or mobile lender.

Find a branch

Not right? Try these.

Complete Freedom

Smart banking

Retirement Access Plus

For retirees

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.