St.George Express Freedom Transaction Account

Headline interest rate p.a.
Monthly fee
Account type

Moneybuddy says

Express Freedom from St.George offers unlimited fee-free everyday banking, fee-free Internet and Phone Banking, convenience & flexibility of a VISA Debit card (Australian residents over 18 years of age), and no minimum monthly balance required.

The Basics

Interest paid Quarterly

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 No

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 low-cost online account for customers who don’t want to transact via the branch network or use cheques. You have unlimited^ access to Internet and Phone Banking, with a Visa Debit Card for electronic purchases. Plus the monthly account service fee does not apply in any month where a customer deposits a minimum of $1,000 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 ATMs,EFTPOS, direct debits, BankPost
  • Worldwide ATM access
  • 10 free SMS Alerts included each month
  • No minimum monthly balances
  • Flat account service fee of just $3 a month
  • Monthly account service fee does not apply in any month where a customer deposits at least $1,000 by the last business day of a month~ into their Express Freedom Account
  • Access to cheque and branch services.


  • No monthly account fee when you deposit at least $1,000 in that month
  • Otherwise the monthly account service fee is $3
  • Shop securely with your own money, online, at home or overseas with your electronic only Visa Debit Card
  • Pay as you go branch and cheque services, so you only pay for what you use


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

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