--- title: "Concession Account — St.George Bank" description: "Transaction & Savings Accounts from St.George Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/st-george-bank/products/STGTrConcession source: "CDR Compare" language: en-AU last_updated: 2026-06-10T01:56:50Z --- # Concession Account — St.George Bank > Transaction & Savings Accounts from St.George Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts** A basic, low-cost account for individuals who hold a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are a low or no income earner. ## 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.) | 0% | — | — | ## 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 | $0.00 | | Cash withdrawals Fee | Withdrawal | $0.00 | | Frequent Statement | Event | $0.00 | ## Features - **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) - **Digital banking** (A digital version of your credit or debit card, available in the St.George App. Once you've received and activated your physical card, set up your Digital Wallet and start making payments on the go.) - **Digital banking** (Spend Tracker groups your transactions into categories to give you helpful insights on your spending habits) - **Digital banking** (Quick balance: Customers can see available balances in their accounts at a glance on your smartphone or watch) - **Notifications** — Keep track of your account activity (balances, deposits and withdrawals). Turn on Transaction Notifications via Online or Mobile Banking to receive updates on when you spend and receive money into your transaction account. Choose from receiving updates via SMS, Email or Mobile Notification. - **Digital wallet** — Apple Pay (Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Apple Pay.) - **Digital wallet** — Google Pay (Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Google Pay.) - **Digital wallet** — Samsung Pay (Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Samsung Pay.) - **Digital wallet** — Beem It (Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Beem It: an app that links to your debit card to make, receive and split payments fast - no matter who the customer banks with.) - **Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is lost or stolen.** - **Unlimited transactions** (No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world via the Global ATM Alliance and partner ATMs (other fees may apply)) - **St.George has an extensive branch network that provides the complete range of banking services to our customers. Our friendly staff are on hand to help you in any of our branches and over the phone** - **Digital banking** (Customers can sign in to the mobile banking app simply and securely using their fingerprint on compatible devices.) - **Digital banking** (With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.) - **$0 dishonour & overdrawn fees : If you have insufficient funds in your account to cover the transaction amount or your account is overdrawn** - **Loyalty program** — St. George Lounge on ShopBack (Explore ShopBack offers and earn bonus Cashback when you shop via the St. George Lounge on ShopBack. Terms & Conditions apply.) - **Statements : We will send statement every 6 monthly, or more frequently on request** - **You can pay bills using BPAY** - **You can make direct debits and periodical payments** - **Gambling block requests : The gambling block is a feature available on Visa Debit Cards and Freedom Cards. On eligible cards, the feature is, by default, unblocked, unless otherwise requested by you. When the gambling block is enabled on your card, we may decline authorisation requests that are identified with the merchant category code for gambling. We will continue to decline these card authorisation requests until you request to unblock your card. The unblock request may take up to 2 days to process.** - **Electronic Statements : As an alternative to receiving paper statements in the mail, electronic statements and other important information on one or more of your eligible deposit accounts may be given via Internet Banking together with an email notifying you when the statement is available. You may agree or consent to electronic statements, or we may notify you that statements will be made available electronically instead of by mail.** - **We provide the following features : Periodical payments or regular transfers, Direct debits, Recurring payments** - **Card access** — Visa Debit Card (or Freedom Card on request) if you have an Australian residential address. A new Freedom Card is not available unless you already have one linked to your account (e.g. existing Freedom Card holders may order replacement cards and renew their card). - **Fraud protection** (The product includes limited range of FRAUD_PROTECTION features.) - **Relationship management** (RELATIONSHIP_MANAGEMENT is available for eligible customers.) ## Eligibility - **The Concession account is available to individuals who hold a Concession or Health Care card holder, receive an Australian Government benefit payment or be a low or no income earner.** - **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** ## More information from St.George Bank - [Overview](https://www.stgeorge.com.au/personal/bank-accounts/transaction-accounts/concession-account) - [Terms & conditions](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf) - [Eligibility](https://www.stgeorge.com.au/personal/bank-accounts/transaction-accounts/concession-account) - [Fees & pricing](https://www.stgeorge.com.au/personal/bank-accounts/transaction-accounts/concession-account) ## Data provenance - Published by St.George Bank under the Consumer Data Right - Product ID: `STGTrConcession` - Last updated by the provider: 10 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/st-george-bank/STGTrConcession - Provider page: https://www.cdrcompare.au/brands/st-george-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000140 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/st-george-bank/products/STGTrConcession) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)