Summary
Before you get started, here’s a quick recap of what you’re applying for.
Complete Freedom
- An everyday account with a Visa Debit Card¹ to make deposits and withdrawals, payments online or on the St.George Mobile App
- $0 Account-keeping fee
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
Want $40 cashback on your groceries?
Open a Complete Freedom account online or in branch and spend at least $160 on your new digital Visa Debit Card within 60 days at Woolworths or Coles and get $40 cashback.
Customers who have held a St.George Transaction account in the last 2 years are ineligible for this offer. Ages 14+ only. Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment.
Offer expires 30 Sep 2025. T&Cs apply*.
What kind of account do you need?
Single
Joint
Are you already a St.George customer?
Yes
No
What to have handy?
- Your St.George Internet Banking logon details.
By continuing you agree:
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide and Credit Guide (PDF 890KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Transactions and Savings/Investments Terms and Conditions (PDF 1MB) and the Terms and Conditions for Internet Banking and Phone Banking (PDF 2MB) that apply to the products and services you are applying for.
- To us sending you a Debit Mastercard® and linking it to your account, as set out in the Visa Debit Terms and Conditions (PDF 1MB).
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To acknowledge your obligations including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
Other options
- Are you 55 years or over and retired? You may be eligible for a St.George Retirement Access Plus account
- Do you have a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are you a low or no income earner where a low-cost account may be appropriate for you?
Important information
1. All debit and credit card holders
2. Our St.George Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.
* $40 cashback offer:
To be eligible for this offer, you must:
1.Open a new St.George Complete Freedom account either online or in branch between 1st February 2025 to 30th September 2025 and have a linked St.George Visa Debit Card on the account.
2.Spend a minimum of $160 on eligible transactions (detailed below) within 60 days from the account opening, at Coles or Woolworths supermarkets (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers).
3.The offer will commence from the opening date of your Complete Freedom account.
- This offer is available only to customers who open a new Complete Freedom account, either online or in branch. Accounts opened via 3rd Party Brokers are excluded.
- To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example:
- If you currently hold a St.George account, you can still open a Bank of Melbourne or BankSA account and be eligible, as long as you haven’t held an account with Bank of Melbourne or BankSA in the last two years.
Eligible Transactions:
- Payments must be contactless, and made using your Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment (in-store tapping/swiping/inserting of physical cards is not eligible).
- When a mobile wallet is used, the payment option must be set to Visa.
- The minimum total spend of $160 at Coles or Woolworths supermarkets, (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers), must be processed to your account within the 60 days from the account opening. Refunds, cancelled purchases, and ineligible transactions (as listed below) are excluded.
Ineligible Transactions:
- EFTPOS cash-out only transactions, purchase of gift cards in a single transaction, third party grocery delivery services (such as Uber), purchases processed through PayPal, Buy Now Pay Later providers, and purchases settled via a linked credit card or Freedom card are ineligible.
- Refunds or cancelled purchases are ineligible spend.
- Joint accounts: Each cardholder’s Visa Debit Card contributes towards the 60 day spending requirement, but only one cashback reward will be issued per joint account. At least one account holder must not have held a St.George transaction account in the last 2 years.
- Account closure: The Complete Freedom account must remain open during the promotion period to be eligible for cashback. If the account is closed, you will forfeit any cashback reward that has not been credited.
Cashback Credit:
- $40 total cashback is available when you meet the $160 eligible spend within 60 days of account opening.
- Cashback will be credited within 60 days of meeting the eligible spend requirement.
- This offer is not available in conjunction with any other offer and can be withdrawn at any time.
- Fees and charges apply. Read the Terms and Conditions (PDF 1MB) (PDF 1MB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
Important Note:
Newly opened Debit Accounts will not require approval. However, card delivery [generally] takes 7 – 10 business days to be mailed to customers.