St.George Complete Freedom Transaction Account

Moneybuddy says

Complete Freedom from St.George offers unlimited fee-free everyday banking, unlimited branch access, fee-free Internet and Phone Banking, convenience & flexibility of a VISA Debit card (Australian residents over 18 years of age), no minimum monthly balance required, and 10 Free SMS alerts per month. St.George also has a special offer for new customers. New Complete Freedom customers who open an account and deposit $500 within 60 days will receive an additional $50 into the new account. Apply before Sept 30th, 2016 to take advantage of this great offer.

The Basics

Interest paid Monthly

Interest calculated Daily

Headline interest rate p.a. 0%

Monthly fee $0

Account type Transaction

The cool stuff: features

ATM access Yes

EFTPOS access Yes

Branch access Yes

Internet Banking Yes

Age restrictions Yes

Cheque book facility Yes

Debit card Yes


GiroPost Yes

Phone access Yes

The Facts & Figures

Balance less than $1k (p.a.) -

Balance less than $5k (p.a.) -

Balance less than $25k (p.a.) -

Balance greater than $100k (p.a.) -

Min. balance -

Min. opening deposit -

Number of free elect transactions per month -

The ugly stuff: fees

Other bank ATM fee -

EFTPOS transaction fee -

Branch assistance fee -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

St.George says

A full-service account offering unlimited^ branch, cheque and electronic transactions, plus the benefits of a Visa Debit Card for 24/7† access to your money anywhere in the world for a low, flat monthly account service fee (does not apply in any month where a customer deposits at least $2,000 by the last business day of the month~ eg their salary).

Key features

  • Visa Debit Card available to customers who are over 18 and have an Australian residential address
  • Unlimited^ everyday transactions through: St.George Internet and Phone Banking (including Bpay), Over 2,800 St.George, Westpac and BankSA branded ATMs, EFTPOS, direct debits and credits, St.George Branches, Cheques, Bank Post
  • 10 free SMS Alerts included each month
  • Worldwide ATM access
  • No minimum monthly balance required
  • Flat account service fee of just $5 a month
  • Monthly account service fee does not apply when a customer: deposits at least $2,000 by the last business day of a month~ into their Complete Freedom Account


  • Unlimited fee-free everyday banking
  • Unlimited branch access
  • Fee-free Internet and Phone Banking
  • No minimum monthly balance required
  • 10 Free SMS alerts per month
  • VISA Debit card
  • New Complete Freedom customers who open an account and deposit $500 within 60 days will receive an additional $50 into the new account*


  • VISA Debit is available only to Australian residents over 18 years of age
  • No interest paid

Terms & conditions

*Offer available to customers who have not held a Complete Freedom Account (including all joint account holders) anytime from 30 May 2015. The offer is not available on the Complete Freedom Student Account. Eligible customers need to open a Complete Freedom Account between 30 May 2016 and 30 September 2016 (inclusive) and deposit a minimum of $500 within 60 days of opening the account (an “eligible account”). Offer limited to one $50 deposit per eligible account capped to one $50 deposit per customer. For customers with multiple eligible accounts, only the first eligible account will receive the $50 deposit, which may include a joint account.


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