St.George Savings Accounts Comparison

Savings Accounts and High Interest Accounts from St.George Bank

St.George Bank was founded in Australia in 1937 as a housing based financial institution but it wasn’t until 1992 that it achieved full banking status. Merging with Westpac Bank in 2008 to become a part of the Westpac Group, St George is now able to offer even more services, and access to more ATMs because customers can use Westpac, Bank SA and their original St George ATMs; with changes taking affect in March 2009 governing the way foreign ATMs penalise customers, it is now more important than ever to be part of one of the largest network of ATMs in Australia.

St.George High Interest Savings Account

Savings Account	Account Details	Maximum Variable Rate p.a.	Standard Variable Rate p.a.	Bonus Interest p.a.	Fees	Min Balance/Min Deposit
St.George Direct Saver	One of the most popular high interest savings accounts on the market.	5.75%	4.50%	1.25%	$$0	$0 / $0
St.George Power Saver Account	Another great offering from St. George bank.	5.85%	3.4%	2.45%	$$0	$0 / $0

St.George Term Deposit Rates

Term Deposit	1 Month	3 Month	4 Month	6 Month	12 Month	24 Month	36 Month	60 Month	Min Deposit
St.George Term Deposit	2.55%	3.25%	5.45%	5.20%	5.30%	5.40%	5.70%	6.05%	$5000

St.George Transaction Accounts

Savings Account	Account Details	Maximum Variable Rate p.a.	Standard Variable Rate p.a.	Bonus Interest p.a.	Fees	Min Balance/Min Deposit
St. George SENSE	An incredible transaction account with a high interest rate!	5.10%	5.1%	0%	$FREE if $2,000+ deposited each month (otherwise $5)	$0 / $0

More reasons to choose a St.George savings account:

• St.George has not let being part of one of the Big Four Banks affect its personal service and customer care and presents Star Awards to their staff members who take special care of their customers, and go beyond good service, and into exceptional.
• St.George is also a community minded bank and supports charities and community events, even allocating a day’s paid leave to each staff member so they can complete volunteer work within their own community.
• St.George offers a range of savings and transaction accounts to specifically meet the needs of pensioners, students, concession card holders and rural banking customers.

How to Choose a St.George Savings Account

Before you open a St.George savings account, you need to decide what your savings goals are. Whether you have short or long term savings goals – or both – will determine the type of savings account you open, as your access, statements, transfer and withdrawal needs will be different.

You also need to look at your current savings habits as this will help you determine the type of savings account which will help you maximise your interest. Even if you don’t have a specialised high interest savings account, you will still be able to see whether you are disciplined in your savings, whether you can boost your savings if given an incentive, and whether you need more control or less access to help your savings grow.

Compare the St.George high interest savings accounts on this page, and match them to your saving styles here:

• Do you like to collect your coins and put away gifts of cash from birthdays and Christmas into your savings account? If you like the piggy bank approach to savings then you will need to look for a high interest savings account which offers you branch access, without a penalty. For example, the St.George SENSE accounts are an everyday account, linked to a high interest savings account for easy deposits and transfers. The Power Saver account is another dedicated high interest online savings account which offers you branch access.
• Do you need to feel rewarded and have the hard work you’ve put into your savings acknowledged? If you need some incentive to keep going in your savings goals the Incentive Saver account will reward you with a higher interest rate when you make regular deposits and no withdrawals.
• There’s an app for that. If you are technologically addicted then the St George Direct Saver is the high interest, online savings account for you. While all St.George bank accounts can be accessed via your iPhone when you download the St George app from the App Store, the Direct Saver is an entirely online account which is opened and managed online, and you can view transactions and statements via internet banking – or on your iPhone!

Save Your Large Investments with St George

If you have a substantial investment which you want to safely grow, but are unsure about investing in shares or property, St.George can offer you a range of term deposit accounts, or you can open an Investment Cash Account for high interest, flexible returns.

Features of a St.George term deposit account include:

• No monthly account keeping fees.
• Low minimum opening balance of $1,000 required.
• Interest calculated daily and paid monthly, quarterly, six monthly or at maturity.
• Receive secure and guaranteed returns on your investment.
• Know your money is locked away, safe from frivolous spending, and from any other financial market pressures.

Save Your Large Investments with St.George

• A minimum of $10,000 deposit required.
• No monthly account keeping fee if the balance remains above $10,000.
• Five free withdrawals allowed each month, including two over the counter withdrawals.
• A high variable interest rate paid on all balances over $10,000.
• Interest calculated daily and paid monthly.

St.George is a bank which is dedicated to your savings needs and financial goals, no matter what they are. Therefore, to find a savings account which is right for you, or to open an online savings account right now to get your finances on track, compare the St.George savings accounts on Savings Account Finder™ and follow our secure links to the simple, online applications.

St.George Visa Debit Card Accounts

Savings Account	Account Details	Intro Rate p.a.	Variable Rate p.a.	Intro Period p.a.	Fees	Min Balance and Min Deposit
St.George Visa Debit Card Account	Available with the following accounts: Complete Freedom Account, St.George SENSE, Express Freedom Account, Complete Freedom Student Account and Retirement Access Plus Account.	0.00%	0.00%p.a	0.00%	From $3 per month	-

Featured Bank Account

St. George present this amazing everyday transaction account! With the St. George SENSE, get a high interest rate, usually found exclusively on high interest savings accounts, with a normal bank account. On top of this, pay no account keeping fees if you deposit $2,000+ each month, and use all St. George and Westpac ATMs free.

• Maximum Rate: 5.10%
• Standard Variable Rate: 5.1%
• Bonus Rate: 0%
• Monthly Account Fees: $FREE if $2,000+ deposited each month (otherwise $5)
• Minimum Balance: $0
• Minimum Deposit: $0
• Savings Account Finder™s Featured Bank Account

Read the St. George SENSE terms and conditions

Minimising St. George account fees should be a priority to you as a St. George customer. In fact, regardless of the bank you deal with make sure you utilise your options to get rid of extra charges as soon as you can. Learn how…

If you’ve been stung by high account fees from other lenders, then you’ll be pleased to know that there are ways to reduce and minimise your St. George account fees. Take some time to understand how and why some fees are charged and you’ll find that high banking fees become a thing of the past.

Minimising St. George Account Fees

Use St. George ATMs

When you need cash in a hurry, it can be tempting to use the nearest ATM you can find. Unfortunately this can attract foreign fees from the bank whose ATM you’re using as well as other associated fees.

St. George Bank is a part of the Westpac Group, which means if you can’t find a specific St. George ATM, you may be able to still use some Westpac, Bank SA or other banks within the group’s ATMS without being charged foreign fees.

You can SMS your suburb and state to 199 44 286 and you’ll receive a text message back with the details of the nearest ATM to your location.

Internet Banking

Some over-the-counter transactions may incur branch fees, but you can eliminate these fees entirely by using the fee-free internet banking or phone banking options.

St. George’s website is very easy to use and is a very secure way to conduct your banking. You’ll also be minimising your St. George account fees when you access and manage your accounts this way.

Choose the Right Account Types

Some transaction accounts only have the availability of a certain number of transactions per month before you begin seeing fees charged for excess use. It’s important to select the right type of account to suit your banking needs.

You should also remember that some of St. George’s savings accounts may charge penalty fees for withdrawing your savings before you should. You can reduce these fees by choosing the right type of savings account or transaction account to suit your needs.

If you know you need more transactions each month, or if you already know you will want access to withdraw your savings whenever you want, then talk to a branch representative about the best type of account with the least amount of fees to suit you.

Change Statement Frequency

Some account holders may find they’re being charged a Frequent Statement fee for receiving statements too regularly. If you feel you need to see what’s happening in your account this often, use internet banking or ask for an SMS or email alert instead. Then go ahead and request your printed statements to arrive less often.

You’ll be able to see regularly what kind of account activity is happening, yet you’ll be reducing your St. George account fees at the same time.

Related Resources

• St George Express Freedom Account
• St George Power Saver Account Apply Online
  If feeling uncertain about starting a saving account following the GFC, then rest assured that a St George Power Saver is guaranteed by the Government Deposit Scheme until October 2011. Watch your savings grow with a 4.50% p.a. interest rate on balances under $1 million.
• St George Term Deposit
• St George Term Deposit Review and Application
• St George Visa Debit Card
  If you want to avoid transaction fees and a mounting credit card debt, then why not consider a St George Visa Debit Card. With the ability to link to one of your other St George accounts, this really is just another important step in making your everyday banking more convenient and stress free. Find out why the St George debit card is one of the best on the market and how you can apply for one.
• St. George DIY Super Direct Saver Account
  Keep your retirement years free of financial worry and start a Rabobank DIY Super Direct Saver Account today. You can earn interest on your retirement fund and keep it alongside your regular Direct Saver account so you can keep close eye on how much you are putting away for later years. Discover more of the benefits and features of a DIY Direct Super Saver account...
• St.George Business Cheque Account
  Give your business the personal attention it deserves by starting a St.George Business Cheque Account. Enjoy branch access and cheque facilities to keep your banking face to face, rather than purely online.
• St.George Complete Freedom Account
• St.George Freedom Business
  No matter the size of your business, give your staff and customers the attention they deserve by making your business banking as convenient and time efficient as possible. By depositing just $5000 per month you can enjoy no fees and get 24 hr unlimited phone and Internet banking with a St. George Freedom Business Account. With additional features available, find out if this is best account for your business.
• St.George Savings Account Direct Saver Review and Application

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