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. There are no service fees when you deposit at least $200 by the last business day of each month. St.George also has a special offer for new customers. New Complete Freedom customers will receive 10% cash back on their online gaming purchases until march 31st, 2017. 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
  • 10% cash back on online gaming purchases
  • 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
  • 10% cash back on online gaming purchases
  • 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 on the Complete Freedom and Complete Freedom Student account. Based on eligibility criteria, offer is only available to individuals over the age of 18 years. Available from the 1 October 2016 until 31 March 2017, however St.George reserves the right to withdraw the offer at anytime. Use your Complete Freedom or Complete Freedom Student Visa Debit card to pay for digital video gaming purchases on online platforms and St.George will reimburse you 10% on these purchases. Rebate limited to a maximum spend of $200 per month. Digital video game purchases refers to Visa Debit Card purchases made on PlayStation Store©, Xbox One©, Steam©, Battle Net©, EA Origin© and Riot Games©. St.George will reimburse the relevant amounts on a monthly basis within 10 business days from the last business day of each month, account must remain open to receive the rebate. For customers with multiple eligible accounts, or a joint account, the cashback will be capped to one customer.


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