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.
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.
Anyone who already has a home loan with St.George or for anyone who needs regular branch access for their everyday banking.
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.
Balances from $0: 0.00% p.a.
n/a
n/a
$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
$1.00
$0.00
$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.
$5.00
$0.00
3.00%
$5.00
$0.00
3.00%
Apple Pay, Google Pay, PayID, Samsung Pay
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 reviewConvenience 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.
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 reviewThe 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.
Terrible customer service. Had to go to the ombudsman.
Read full reviewTerrible customer service. Had to go to the ombudsman.
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 reviewI'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!
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 reviewSt 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.
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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