Complete Freedom Account
An everyday bank account that has all the features to help make managing your day-to-day money a breeze
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Penalty The Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again. | 15.01% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Keeping Fee Charged monthly | Ongoing | $0.00 |
| Overseas Withdrawal Fee The fee is Nil ($0) for cash withdrawals from Global ATM Alliance and Westpac Group partner ATMs. To find an overseas ATM visit the link below | Withdrawal | $5.00 |
| Foreign Currency Conversion Fee Foreign currency conversion fee for transactions made in foreign currency, and the merchant or financial institution accepting the card is located outside Australia | Transaction | 3% of transaction |
| Periodical Payment | Payment | $0.00 |
| Overdrawn Fee | Event | $15.00 |
| Cash withdrawals Fee | Withdrawal | $0.00 |
| Frequent Statement | Event | $0.00 |
Features
- Cashback offer — 50.00
- Open a new Complete Freedom account and an eligible savings account. (For new account holders who?ve not held a St George Complete Freedom account or savings account in the past 2 years) Spend at least $50 : Within 15 days of opening your account, spend a total of $50 or more using your debit card on eligible purchases. Get $50 back: Once you meet the eligibility criteria, you could receive a one-time $50 payment into your new savings account. Customers aged 18+ only. T&Cs apply
- The BeMoved Promotion Terms and Conditions. You could get a minimum 10% electricity saving with One Click Switch. Compare and switch your electricity plan through One Click Switch between 18 June 2026 and 31 May 2028. Savings are calculated using your existing electricity usage from the past 12 months via Consumer Data Right (CDR). If your saving is less than 10%, the difference will be paid as a digital gift card, up to $500. Customers 18 years or older. T&Cs apply. Must already hold a St.George debit card or credit card to be eligible.
- Fraud Money Back Guarantee: Customers may be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted us promptly
- Digital banking
- Card Lock: Customers can temporarily lock their debit card associated with the bank account, using the mobile banking app if they lose or misplace their card, for up to 15 days
Eligibility
- Minimum age — 14 years
- Residency status — Those with an Australian residential address and who are currently in Australia.
- The card must be linked to an eligible St George account
- If you are 55 years or over and retired, you may be eligible for a Retirement Access Account. If you have a Concession or Health Care Card you may be eligible for a Concession account.
More Information
Published by St.George Bank under the Consumer Data Right · Last updated 1 July 2026 · Product ID STGTrCompleteFreedom · View on CDR.gov.au