St.George Complete Freedom Account

St.George Complete Freedom Account Review

Rates and fees information correct as at 16 October 2018.

Review published: 9 October 2012

What's hot:

Unlimited over the counter transactions
$40 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 $40 cashback offer, just keep in mind that the account does come with a $5 monthly fee.

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 branch) before 17 January 2019 and deposit at least $250 within 45 days will be able to snag $40 cashback.

Who it's good for:

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

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.

Product Type	Overall Rating	Price	Features	Service	Convenience	Trust
St.George bank accounts	7.6 Based on 1449 St.George bank accounts reviews	6.7	6.3	7.7	7.7	7.7

Product Type

Overall Rating

Price

Features

I like being with St George and have been for many years. However, there services are probably no different to any other bank.

Full review

I like being with St George and have been for many years. However, there services are probably no different to any other bank.

Price 7 / 10

Features 5 / 10

Customer service 7 / 10

Convenience 10 / 10

Trust 7 / 10

Less

Rosanne, New South Wales, reviewed 13 days ago

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Rates

Rates
Balances from $0: 0.00% p.a.
Special Rates
none
Special rate conditions
n/a

Fees

Account fee
$5.00
Account fee waiver
$0 monthly account fee if you deposit min. $2,000 per month.
Free transactions per month
Unlimited free transactions from network ATMs, EFTPOS, BPAY, cheque, counter deposits and withdrawals, phone and internet.
Network ATM fee
$0.00
ATM networks
St.George, Westpac, BankSA, Bank of Melbourne
Other bank ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
Eftpos fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Cheque fee
$0.00
Overseas ATM fees
$5.00
Foreign exchange commission
3.00%
Debit card service fee
$0.00 monthly

Other financial bits

Minimum opening deposit
$1.00
Minimum balance
$0.00

Features

Daily atm withdrawal limit
$2,000.00
Eftpos card
yes
Mastercard debit card
no
Visa debit card
yes
Branch access
yes
Cheque book
yes
BPAY
yes
Australia post banking
yes
Other restrictions
none
Other benefits
Get $40 when you open a new Complete Freedom account by 17 January 2019 and deposit $250 within 45 days.

Atm card

Overseas access with atm
Overseas ATM fees
$5.00
Overseas purchase fees
$0.00
Foreign exchange commission
3.00%

Debit card

Overseas access with debit card
Overseas ATM fees
$5.00
Overseas purchase fees
$0.00
Foreign exchange commission
3.00%

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.