Personal customers' terms and conditions

Products currently for sale

Select below to find the current T&Cs and recent changes.

Complete Freedom, Retirement Access Plus, Concession, Incentive Saver, Maxi Saver, Investment Cash

Summary of changes, effective 15 November 2024

Section reference	Change description
Joint account holder responsibilities	Additional information about the handling of disputes on Joint accounts Notwithstanding the authorised method of operation of a joint account, if we are made aware of a dispute between any of the account holders, we may place a temporary block on the joint account while we investigate the dispute.
Summary of Features	Updated to expand the ability to open a Concession account online and through our Mobile Banking App for new St.George customers.
3. Using your accounts; ATM	Correction to the timing that an overseas ATM fee is charged.

Visa Debit Card

Summary of changes, effective 15 November 2024

Section reference	Change description
A guide to using your Visa Debit card.	Correction to the timing that an overseas ATM fee is charged.

Summary of changes, effective 18 March 2024

Section reference	Change description
Summary of Account features and benefits: Term Deposit Accounts	Added monthly, half-annually, annually and at maturity as Interest Payment options under ‘Other features and benefits’ section of Table 1.
Opening an Account	A new clause has been included to explain customer identification requirements and the steps taken if identification requirements are not met.
Interest	Added a new clause to clarify that interest is paid on the account anniversary date. If the anniversary date falls on a non-working day or day not available in a given month, interest will be paid on the preceding working day.
Who can close an Account	A new clause has been included to explain customer Account closure options as well as when we may initiate an Account closure.
Authority to operate	A new clause has been included to explain when an authorised signatories’ authority to operate a customer’s Account may be removed.
Changes to the terms and conditions	Under Type of change, amended the description for a change to terms and conditions that reflect a change to our business or technological systems and processes.

Summary of changes, effective 18 March 2024

Section reference	Change description
Opening and maintaining your Account	A new clause has been included to explain customer identification requirements and the steps taken if identification requirements are not met.
Withdrawals	A new clause has been included to explain customer Account closure options as well as when we may initiate an Account closure.
Opening and maintaining your Account	A new clause has been included to explain when an authorised signatories’ authority to operate a customer’s Account may be removed.
Changes to the Terms and Conditions	Under Type of change, amended the description for a change to terms and conditions that reflect a change to our business or technological systems and processes.