Thumbnail icon for St.George

St.George Complete Freedom Account

Account fee
$5.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay
Interest rate
0% p.a.

Mozo editorial review St.George Complete Freedom Account

Last updated: 2 July 2020.

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What's hot
  • Unlimited over the counter transactions
  • $50 limited time cashback offer
What's not
  • $5 monthly fee
  • $4 periodic payment charges
Mozo snapshot

If you want complete freedom with your everyday banking such as unlimited branch access, unlimited transactions and ATM withdrawals, then the St.George Complete Freedom account could be for you. Plus for a limited time, new customers will be able to take advantage of a $50 cashback offer, just keep in mind that the account does come with a $5 monthly fee.

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Key features

The Complete Freedom bank account has unlimited free withdrawals from any St.George, Westpac or BankSA ATM and unlimited transactions with St.George telephone and internet bank services.

The difference with the Complete freedom package, compared with the St.George Express Freedom account, is that it also includes unlimited free over the counter transactions from any St.George branch. You can get the monthly account fee waived but you'll need to deposit a minimum $2000 a month or have a home loan with St.George. There is a Visa debit card option with the account (upon request) but the standard account only comes with a EFTPOS / ATM card.

If you need to access your money overseas you'll get charged $5 for overseas ATM withdrawals and 3% foreign exchange commission on any purchases made through the Visa Debit Card.

And for customers who open a new Complete Freedom account (either online or in a selected branch) before 6 October 2020 and deposit at least $500 within 30 days will be able to snag $50 cashback.

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Who is it good for

Anyone who already has a home loan with St.George or for anyone who needs regular branch access for their everyday banking. 

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Any catches

If you need to set up regular payments from your account do it yourself via internet banking. St.George charge a $4 monthly periodic payment fee for each payment that they set up on your behalf.

Details

Rates and fees information correct as at 13 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Balances from $0: 0.00% p.a.

  • n/a

  • n/a

Fees
  • $5.00

  • $0 monthly account fee if you deposit min. $2,000 per month.

  • Unlimited free transactions from network ATMs, EFTPOS, BPAY, cheque, counter deposits and withdrawals, phone and internet.

  • $0.00

  • St.George, Westpac, BankSA, Bank of Melbourne

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $5.00

  • 3.00%

  • $0.00 monthly

Other financial bits
  • $1.00

  • $0.00

Features
  • $2,000.00

  • yes

  • no

  • yes

  • yes

  • yes

  • yes

  • yes

  • none

  • Get $50 when you open a new Complete Freedom account online or in selected branches by 6 October 2020 and deposit $500 within 30 days.

Atm card
  • $5.00

  • $0.00

  • 3.00%

Debit card
  • $5.00

  • $0.00

  • 3.00%

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are St.George bank accounts rated by the Mozo community?

Overall customer rating
7.6/10
Price
6.7/10
Features
6.3/10
Customer service
7.7/10
Convenience
7.7/10
Trust
7.7/10

Latest reviews of St.George Complete Freedom Account

  • Overall 6/10
    Better interest rates are needed.

    Convenience and customer service and all well and good - but the bottom line is they don't match the smaller banks when it comes to investment interest rates. Baby boomers need a bank which offers great returns, not housing and personal loans.

    Read full review

    Convenience and customer service and all well and good - but the bottom line is they don't match the smaller banks when it comes to investment interest rates. Baby boomers need a bank which offers great returns, not housing and personal loans.

    Price
    6/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Jo, New South Wales reviewed 17 days ago
  • Overall 7/10
    Ok but more innovation required

    The bank is ok and have been helpful in the past. However I would like to see more innovation from them in future especially with their apps.

    Read full review

    The bank is ok and have been helpful in the past. However I would like to see more innovation from them in future especially with their apps.

    Price
    7/10
    Features
    6/10
    Customer service
    6/10
    Convenience
    7/10
    Trust
    6/10
    Less
    Daniel, New South Wales reviewed 18 days ago
  • Overall 4/10
    Customer service sucks.

    Terrible customer service. Had to go to the ombudsman.

    Read full review

    Terrible customer service. Had to go to the ombudsman.

    Price
    6/10
    Features
    3/10
    Customer service
    0/10
    Convenience
    8/10
    Trust
    5/10
    Less
    Kirsten, New South Wales reviewed 19 days ago
  • Overall 7/10
    Overall decent product.

    I'm on the fence. Started using St.George for a joint account. The mobile app and the online banking site could be better. It's hard to find things compared to others e.g. CommBank. However, the bank itself is very efficient and helpful and the staff in the branches are pleasant and helpful. Using their Smart ATMs is a positive experience when the branch is closed and I've had no issues getting through on the phone. An overall decent product and positive experience but it's still early days!

    Read full review

    I'm on the fence. Started using St.George for a joint account. The mobile app and the online banking site could be better. It's hard to find things compared to others e.g. CommBank. However, the bank itself is very efficient and helpful and the staff in the branches are pleasant and helpful. Using their Smart ATMs is a positive experience when the branch is closed and I've had no issues getting through on the phone. An overall decent product and positive experience but it's still early days!

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    5/10
    Less
    Luke, Queensland reviewed 21 days ago
  • Overall 2/10
    Do not recommend St George Bank

    St George used to be good, I have been with them for about 35 years. As a disabled pensioner, I get a fee free account (though I still have to pay if I use the wrong ATM) which has been handy, plus they used to have lots of small branches and ATMs all over the place. This was a big thing for me as I use cash a lot to help maintain my budget. I would weekly remove my weekly allowance and that way I could see how little I had left to budget better. Things started changing after they were bought by Westpac, slowly declining over the years, but they still had lots of easy to get to ATMs. Then I noticed less staff in the smaller branches which caused longer lines and wait times, but I stayed because of all the easy to access ATMs and small local branches. But recently they have been shutting down all the local branches and removing ATMs, now I am having trouble getting to the remaining ones as they are mostly in shopping precincts for a disabled person this makes it a big hassle getting to them and for me a painful experience (chronic pain sufferer) So I have been looking around for a better alternative which is ING. I can use any ATM without a fee, I get foreign currency exchanges without fees and better interest rate, this tops not being able to visit a physical branch. And besides, they have much better customer service.

    Read full review

    St George used to be good, I have been with them for about 35 years. As a disabled pensioner, I get a fee free account (though I still have to pay if I use the wrong ATM) which has been handy, plus they used to have lots of small branches and ATMs all over the place. This was a big thing for me as I use cash a lot to help maintain my budget. I would weekly remove my weekly allowance and that way I could see how little I had left to budget better. Things started changing after they were bought by Westpac, slowly declining over the years, but they still had lots of easy to get to ATMs. Then I noticed less staff in the smaller branches which caused longer lines and wait times, but I stayed because of all the easy to access ATMs and small local branches. But recently they have been shutting down all the local branches and removing ATMs, now I am having trouble getting to the remaining ones as they are mostly in shopping precincts for a disabled person this makes it a big hassle getting to them and for me a painful experience (chronic pain sufferer) So I have been looking around for a better alternative which is ING. I can use any ATM without a fee, I get foreign currency exchanges without fees and better interest rate, this tops not being able to visit a physical branch. And besides, they have much better customer service.

    Price
    7/10
    Features
    3/10
    Customer service
    4/10
    Convenience
    0/10
    Trust
    2/10
    Less
    Gary, New South Wales reviewed about 1 month ago
St.George

About St.George

St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.

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