Transferring money

In most cases, transfers between your accounts will go through immediately. However, please allow one working day for transactions to be processed.

Yes. You can schedule a transfer up to 24 months in advance. You can also set up regular payments daily, weekly, fortnightly or monthly for up to 24 months in advance.

Yes. You can set up a recurring payment for a specific amount. However, you cannot schedule a recurring payment for the 'Minimum' or 'Full Amount'.

If you are transferring between your personal accounts, there is a cumulative daily limit of $1 million.

If you are transferring between business accounts, the following applies:

1. If you log on to Internet Banking using your personal access details, a cumulative daily limit of $25,000 applies

2. If you log on to Internet Banking using your company access details, a cumulative daily limit of $1 million applies.

The two balances that appear on your account details screen are your current and available balance. Your current balance is the total amount of your account including pending transactions. The available balance is the amount that is accessible for you to utilise.

Yes. You can transfer to other banks, or to somebody else's account within St.George, by using either 'Transfer to an Account in Australia’ or ‘Pay to a PayID®’, both located within the Transfers, Payments & BPAY® menu.

To transfer to another account in Australia, you will need either:

• The BSB Number, Account Number and Account Name, or
• Their PayID® details, e.g. mobile number or ABN

You may choose to save these account details for future use; they'll be available within your Internet Banking account should you wish to transfer money to that particular account again.

Please be aware that when transferring to an account in Australia using the BSB and Account Number, we will not check the Account Name you provide. Please ensure that the BSB and Account Number you provide are correct.

In some cases, the financial institution receiving the funds may reject the payment if the Account Name is incorrect. However, the receiving institution is not obliged to verify the Account Name.

Payments made to a PayID^® or BSB and account number will be sent via our standard way of making payments (Payee Transfer) or Osko^® where possible. We determine the payment method based on the payment details.

Note: Osko^® payments are processed 24 hours a day, 7 days a week and are typically received in a few seconds but may take longer. For Payee Transfers please allow up to 2 Business Days for the payment to be received by the Payee.

If your Osko^® payment is unsuccessful, in some cases you will be able to resubmit your payment.

Select Yes to resubmit via our standard way of making payments (Payee Transfer)
Select No to cancel and return to the dashboard.

Yes. You can schedule a transfer up to 24 months in advance. You can also set up regular payments daily, weekly, fortnightly or monthly for up to 24 months in advance.

If you have set up the account via Internet Banking, there is a limit of $5,000 per payee per day and a maximum cumulative limit of $25,000 per day. For example, if you want to pay 5 different accounts, you can transfer $5,000 to each account per day.

To increase the daily limit to $100,000 please follow the below steps.

Desktop

1. Click Transfers & Payments from the left hand menu.
2. Click Payee Accounts from the right hand menu.
3. Click the payee you wish to increase.
   If this is a new payee, see "How do I add a new Payee" then come back to these steps.
4. Click Increase Payee Limit, then Confirm.
5. Authenticate this via Secure Code.

Requests submitted before 4:00pm AEST Monday to Friday will be processed the same day.

Mobile

1. Tap Services to open the menu, then tap Manage Payees from the My Payments section.
2. Tap the payee you wish to increase.
3. Tap the Limits button
4. Tick the box accepting conditions and tap Continue.

Requests submitted before 4:00pm AEST Monday to Friday will be processed the same day.

Once a transfer has been confirmed via Internet Banking, we are unable to stop or cancel the payment.

If you have made a payment incorrectly, you can request a payment recall or trace on your PayID and Osko payment through Internet Banking or the St.George App, or by contacting us.

A payment recall is where we try to get the money back in the instance where a payment has been made to the incorrect account or a duplicate payment has been made. A payment trace is where we find the account the money has been paid into in the instance where a payee says they have not received the payment.

We cannot guarantee that a payment recall will be successful as it is dependent on several factors including the receiving bank agreeing to return the funds.

After submitting a payment recall or trace request, we typically have an outcome within two weeks, although, in some cases it may take up to four weeks.

How to submit a payment recall or trace request

1. Logon to Internet Banking or the St.George App
2. Click on the transaction you would like to recall or trace
3. Scroll down and click on 'Report this transaction'
4. Answer all the questions and when you are finished, click ‘Submit'.

You can delete Payee accounts at any time by logging on to Internet Banking. Unfortunately, you cannot edit Payee accounts. If you wish to edit a Payee account, you'll need to delete it and create a new one.

Yes. You can set up a transfer to a group of Payees using the 'Group Payments' function, located within the 'Transfers, Payments & BPAY menu. You can also set up regular transfers daily, weekly, fortnightly or monthly, or schedule a single payment for a later date, up to 24 months in advance.

You can include up to 20 Payees in one group.

Yes. You can edit or delete groups at any time by logging onto Internet Banking.

Adding a PayID^®

1. Logon to St.George Internet Banking
2. Search for Pay to PayID®
3. Select Add a new PayID® to enter the details.

Add a BSB and account number

1. Logon to St.George Internet Banking
2. Search Add a new payee to enter the details.

To view a list of your ‘Payee accounts’, simply visit the ‘Transfer, payments & BPAY’ menu. On the right hand side, under the heading ‘Manage my’, select the link ‘Payee accounts’. This will display a list of all your saved payees.

If you're receiving a deposit into your St.George account from an overseas account by telegraphic transfer, your payer may be asked to enter the St.George SWIFT code/SWIFT BIC Address, which is: SGBLAU2S.

If you are receiving money from a US Bank, your payer may be asked to enter the Routing Number, which is: 021 000 021.

Your payer may also be asked for the address for international payments which is your branch address.

You will also have to provide your 9 digit account number which is available on your account statements or internet banking.

For fees and charges information kindly refer to the “For Inward telegraphic transfer (plus overseas bank charges)” section.