Summary
Before you get started, here's a quick recap of what you're applying for.
Concession Account
- A basic, low-cost account with a Debit Visa®¹ to make deposits and withdrawals, payments online or on the St.George App
- $0 Account-keeping fee and $0 Overdrawn fee or debit interest (other fees may apply)
- For individuals who hold a Concession or Health Care card or receive an Australian Government benefit payment that makes you eligible to hold a Concession or Health Care card
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian)
What kind of account do you need?
Are you already a St.George customer?
What to have handy?
- Your St.George Internet Banking logon details.
Ready to get started?
What to have handy?
Your mobile
A secure code will be sent to your mobile to verify your phone number.
Two of these ID documents
- Passport
- Medicare card
- Australian driver licence
- Australian birth certificate
If your details are entered incorrectly or we’re unable to identify you, your application will need to be completed in branch.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Tax details
- Foreign tax information. Only applicable if you’re liable to pay tax in another country
- Your Tax File Number (TFN). Providing this isn’t compulsory, however if you don’t provide it or provide a TFN exemption reason, tax may be withheld on the interest earned on the account.
By continuing you agree:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications we send to you
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Service Guide and Credit Guide (PDF 890KB), Internet and Phone Banking Terms and Conditions, Transactions and Savings /Investments Terms and Conditions (PDF 1MB)
- You agree to comply with all applicable Australian and International laws relating to the account(s) including any exchange control laws.
Ready to get started?
Are both applicants already St.George customers?
Complete your application in branch or over the phone
To open your joint account:
- Phone, with both applicants on the call. 13 33 30, 8am – 8pm (Sydney Time) Monday to Friday (excluding public holidays), or +61 2 9155 7800 from overseas
- Visit a branch, with both applicants attending. To ensure we’re best prepared to help you, please call the branch first to make an appointment. Find nearest branch
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Complete your application in branch together
To open your joint account, you’ll need to visit a St.George branch together.
Please make sure you bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our St.George Identification Checklist (PDF 845KB) to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Important information