*Note that you must have your fingerprint or Face ID stored on your device.
Fingerprint logon and Face ID have the same high level security as all authentication methods for Internet and Mobile Banking. If you wish to log on using biometric information (e.g. fingerprint or Face ID), you should ensure that only your biometric information is stored on the device.
Please refer to our Terms and Conditions on our website for more details.
Logging on to Tablet BankingMobile Banking is easy. Simply:
You can choose to save your card/access number and security number. Simply tick 'Save card/access number'.
Your iPad may ask you to accept permissions after you install an app. Below is a table that describes what these permissions are so that you can feel comfortable accepting them. Permissions can be managed in your device Settings > St.George.
| Permission | As requested on your device | Why do we ask for this? | ||
|---|---|---|---|---|
| Location | Allow St.George to access your location? | This permission allows us to strengthen security by detecting unusual activity from unexpected places. We also use this permission to show you the nearest branch and ATM. | ||
From your mobile banking homepage choose the account you wish to transfer or pay from:
Doing either will begin the payment with your from account details pre-populated.
From within the transfer and pay screen tap on Accounts, Payees, PayID , BPAY Billers or Overseas and then select the right account /recipient or complete the PayID details.
Alternatively you can also search for the account/recipient in the Search box.
From within the transfer and pay screen, you have two options:
Follow the prompts to complete your payment.
BPAY® is a registered trademark of BPAY Pty Ltd. ABN 69 079 137 518.
Select ‘Transfer and Pay’ from the menu, then tap on the ‘To’ button. You’ll see an address book icon. Tap this and your saved payment options will show. This includes your Accounts, ‘pay anyone’ Payees, Billers and Overseas Payees. Select the ‘Billers’ icon to make a BPAY® payment.
Osko by BPAY® is a near real-time payment. The service is built on the New Payments Platform and enables faster payments to a PayID or a BSB and account number. You will see the transaction appear as Osko when you make or receive an Osko Payment.
When paying to BSB and account numbers, you don’t need to choose if a payment will be processed via Osko – Internet and Mobile Banking will automatically process your standard payment as Osko if you and your payee have eligible Osko accounts and the payment is dated today.
You will know it will be a fast Osko payment as the payment type will be Osko or the Osko logo will appear on the payment Review page and the Confirmation page.
Payments to PayIDs are automatically Osko payments.
Osko payments to BSB and account numbers or PayIDs cannot be future dated or recurring.
More Osko FAQ'sOsko payments may be rejected from time to time. In most cases, you will be able to resubmit your payment. Resubmitted payments are sent via our standard way of making payments and may take up to 2 Business Days to be received by the Payee.
More Osko FAQ'sA PayID is an easy to remember nickname for a BSB and account number. It doesn’t replace BSB and account numbers, it just provides an easier way to send and receive payments.
PayID registration
Depending on your customer segment, you can create a PayID using your mobile number or Australian Business Number (ABN). Your payers can still use your BSB and account number but using your PayID is simple
Paying to PayIDs
You'll also be able to pay friends and family to their registered PayID. A registered PayID can be a mobile number, email address, phone number, ABN (which includes ACN, ARBN and ARSN) or Organisation ID.
From your Mobile Banking home page:
Note: For your security, we will send you a Secure Code to confirm creation of your PayID. This code is sent to the registered phone number you selected. When you receive the Secure Code follow the prompts to complete your PayID creation.
More information on eligible accountsFrom your Mobile Banking home page:
You can now view your PayID information. To change the account your PayID is linked to (if you have more than one eligible account):
Note: For your security, we will send you a Secure Code to confirm the update to your PayID. This code is sent to the registered phone number you selected. When you receive the Secure Code follow the prompts to complete your PayID update.
There are some instances where a PayID may need to be de-registered by us. For example, when you request to update the account you have linked to your PayID and the update does not process correctly. For more information about PayID please call us on 13 33 30.
From within the transfer and pay screen, you have two options:
Follow the prompts to complete your payment.
Tablet BankingMobile Banking includes a handy calculator and calendar to make payment planning easier.
Once you have selected the ‘To’ account, you’ll see the calculator icon next to the Amount field, and the calendar icon next to the Pay On field.
Overseas transfers are available within Tablet BankingMobile Banking for any beneficiary that has already been set up via Internet Banking. To make an international funds transfer:
From the transfer and pay screen:
Follow the prompts to complete your payment.
If you wish to add a new Overseas beneficiary, please logon to Internet Banking and create this payee.
From your Mobile Banking home page:
You may choose to make a payment to the new payee immediately by selecting ‘Pay Now’.
For your security, we will send you a secure code to confirm set up of this new payee.
This code is sent to the registered phone number you selected. When you receive this follow the prompts.
From your Tablet Banking home page:
For your security, we will send you a secure code to confirm set up of this new Payee. This code is sent to the registered phone number you selected. When you receive this follow the prompts.
St. George Verify
Follow the steps provided onscreen, including speaking to the payee to confirm details if required, before continuing with your payment.
Remember, you play a part in preventing scams. Double check you’re sending your money to the right person/account.
St. George Verify indicators are based on the payment information available in our systems, at that time. We are unable to validate the account details with recipient banks, so we cannot confirm whether the name and account are an exact match.
For more information, visit www.stgeorge.com.au/verify
From your Mobile Banking home page:
You may choose to make a payment to the new biller immediately by selecting ‘Pay Now’.
Depending on the biller, for your security we may send you a secure code to confirm set up of this new biller. This code is sent to the registered phone number you selected. When you receive this follow the prompts.
From your Tablet Banking home page:
Depending on the biller, for your security we may send you a secure code to confirm set up of this new Biller. This code is sent to the registered phone number you selected. When you receive this code follow the prompts.
You can dispute a credit card transaction if you:
Here’s what to do:
You can dispute up to three transactions and will be asked to provide the transaction date, merchant name, amount and the reason for the dispute.
The 'drag and drop' function is available on Tablet only.
Transferring money from one account to another couldn't be simpler. From your Tablet BankingMobile Banking home page:
You can now use St George’s Donation feature to make a donation to St George Foundation or a disaster relief fund that we are supporting.
To make a donation, from your Mobile Banking home page:
If you would like to make a donation to another charity or cause, you can do so by visiting their website or contacting them directly.
Please note: This feature is only available to customers with an eligible transaction or savings account that online withdrawals can be made from.
Recurring Payment:
Recurring payments are an authority between you and a merchant, whereby the merchant deducts funds on a recurring basis from your credit card or Visa Debit card (where you've quoted your card number).
Recurring payments are usually established for bills for common service providers including mobile phones or gym memberships, or for participation in a free trial product or service.
Direct Debit:
This is where you have given a merchant your 'BSB and Account' details to allow the merchant to regularly debit your account for services they provide.
Recurring Card Payment:
This is where you have given a merchant your Credit or Debit card details to allow the merchant regularly to charge your card for services they provide. This list may include some payments that are no longer active. It doesn't include BPAY or payments set up by you in Internet Banking.
The list will include only those direct debits and recurring card payment that are known to us from the information we receive about your transactions in the previous 13 months.
Since the contract for services provided is between you (the customer) and the merchant, you need to terminate the recurring payment directly with the Merchant. At your request through our branches, we may stop a payment(s), however you are still obliged contact the merchant to terminate your agreement/contract.
You will be able to request/view recurring payments and direct debits for the going back 13 months from the request date.
PayTo is the new digital way of making and managing payments from your bank account to authorised businesses. Giving you more visibility and control, it can be used to make regular scheduled payments like a Direct Debit, or one-off real-time payments like a credit or debit card.
No. If you have an account that’s eligible for PayTo you will now be able to receive and authorise PayTo agreements and make payments to participating businesses.
Yes. If your PayID is linked to an account that’s eligible for PayTo, you can use your PayID instead of a BSB and Account Number.
To start using PayTo, a participating business will need to send you a PayTo agreement. Once you’ve reviewed and authorised the agreement, payments will be made directly from your nominated account.
You can pause or cancel a PayTo agreement at any time in Internet or Mobile Banking. Once your agreement is paused or cancelled, you’ll receive a message to confirm the action you’ve taken. The business you have the PayTo agreement with will also be notified immediately.
You should check with the business (biller) before you cancel or pause an agreement as they won’t be able to initiate any further payments until the agreement is resumed or you authorise a new agreement.
Any PayTo agreements that haven’t been authorised or declined within six days will expire and disappear from your list of PayTo agreements. Agreements you’ve declined or that have been recalled by the business that issued them (biller) will also no longer appear in your list of PayTo agreements.
If you’d like to set up a new PayTo agreement with a business, you will need to contact them directly.
Your Automatic Payment Plan will not take effect until the next statement period. You must arrange for a payment for your most recent statement.
You can cancel your card autopay at any time. Autopay can be cancelled before 11pm AEST/AEDT on the payment due date for the changes to take effect for that statement.
Yes, you can. The amount deducted by Automatic Payment Plan will be adjusted if you make an early payment to the card ahead of the payment due date.
The autopay will debit the ‘Minimum Payment with Instalments’ amount as shown on your statement.
Automatic Payment Plan will exclude the amount of the new Plan&Pay. However, it will always ensure that the minimum payment due is paid.
Quick balance allows you to view the available balance of up to 3 eligible accounts without having to login. Within Quick balance you can also:
– View the last 10 transactions on your accounts.
– Transfer money between eligible accounts. Just drag and drop the coin and login to authenticate the transfer.
Step 1: Tap 'Set up' on the Quick balance tile on the home screen. (If you have dismissed the Quick balance tile from the home screen you can setup Quick balance by tapping on the profile picture cog, then tapping on the 'Quick balance' link under the 'Settings' heading, and then the 'Set up quick balance' button.)
Step 2: Logon and select the accounts (up to 3) you would like to display
Step 3: If you’d like to be able to view your last 10 transactions, tap the tick box next to 'Turn on your recent activity'.
Step 4: Tap 'Done'.
Yes, you will need to turn on Quick Balance to be able to view your recent activity. However, if you don’t want your balance to be visible then you can hide this. See 'Can I hide my available balance?'
You’ll need to set up Quick balance before you can view your last 10 transactions. Once you’ve set up Quick balance:
Step 1: Tap the cog icon in the lower right corner of the Quick balance tile on the home screen
Step 2: Logon
Step 3: Tap the 'Account Settings' tab
Step 4: Tap the chevron, for the account you would like to see your last 10 transactions for, and turn on the switch for 'Recent transactions'
Step 5: Repeat step 4 for all accounts you would like to see the last 10 transaction for
Step 6: Tap 'Done'
With Quick Transfer you can easily and quickly transfer money between the accounts you have showing in Quick balance.
To make a transfer just drag and drop from the account you’d like to transfer from to the account you’d like to transfer to.
Once within Quick balance, hold your finger on the 'from' account until the '$' coin appears.Then simply drag and drop the coin from the account you'd like to transfer from, to the account you'd like to transfer to.You'll then be asked to logon to authentice the transfer.
Yes. To hide your available balance:
Step 1: Tap the cog icon in the lower right corner of the Quick balance tile on the home screen
Step 2: Logon
Step 3: Tap the 'Account Settings' tab
Step 4: Tap the chevron, for the account you would like to hide the balance for, and turn on the switch for ‘Show bar graph’. You will need to enter the minimum and maximum amounts for the bar graph. (You need to show the bar graph to be able to hide the balance amount). Then turn off the switch for ‘Show Balance’.
Step 5: Repeat step 4 for all accounts you would like to hide the balance for
Step 6: Tap 'Done'
You can view most accounts such as Complete Freedom, Maxi Saver, Incentive Saver, Complete Freedom Student and most credit card accounts.
Step 1: Tap the cog icon in the lower right corner of the Quick balance tile on the home screen
Step 2: Logon
Step 3: Tap the 'Account Settings' tab
Step 4: Turn off the switch for 'Quick balance'
Step 5: Tap 'Done'
Step 1: Tap the cog icon in the lower right corner of the Quick balance tile on the home screen
Step 2: Logon
Step 3: Tap the 'Account Settings' tab
Step 4: Tap the chevron, for the account you would like to turn off viewing last 10 transactions for, and turn off the switch for 'Recent transactions'
Step 5: Repeat step 4 for all accounts you would like to turn off viewing last 10 transactions for
Step 6: Tap 'Done'.
The home screen isn't password protected, so anyone with access to your phone will be able to see your Quick balance details. A transfer of money between your eligible accounts requires you to logon, ensuring the same high level of security as Mobile Banking.
If you'd like to hide your balance,
Step 1: Tap the cog icon in the lower right corner of the Quick balance tile on the home screen
Step 2: Logon
Step 3:Tap the ‘Account Settings' tab
Step 4: Tap the chevron, for the account you would like to hide the balance for, and turn on the switch for ‘Show bar graph’. You will need to enter the minimum and maximum amounts for the bar graph. (You need to show the bar graph to be able to hide the balance amount). Then turn off the switch for ‘Show Balance’.
Step 5: Repeat step 4 for all accounts you would like to hide the balance for
Step 6: Tap ‘Done’.
You can set up the following notifications and alerts:
From the Mobile Banking app home screen:
From the Mobile Banking home screen:
To see the notifications option you need to have notifications enabled for the app within your phone’s settings.
For iPhone, follow the steps below:
If you now close the app and then login again the notifications option should appear next to the SMS and email alert options.
For most Android phones the steps below should work. However, for some phones the steps may be different. If these steps don’t work we suggest searching online for how to enable notifications for your type of phone.
If you now close the app and then login again the notifications option should appear next to the SMS and email alert options.
Go to your notification centre by:
Yes, you can see the last 30 notifications you have received in the notifications Centre.
Tap the bell icon at the top of the home screen.
Notifications and email alerts are free. SMS Alerts are free for the Complete Freedom, Express Freedom, Concession, Complete Freedom Student, Retirement Access Plus and St.George SENSE Accounts.
No - you need to be connected to the internet to receive notifications.
Please note, if you are disconnected from the internet when notifications are sent to you, when you reconnect you may only receive the most recent notification. If you are regularly disconnected from the internet we recommend using SMS or email alerts to ensure you don’t miss any messages.
If you ever misplace any of your cards you can put a temporary lock on it that prevents any unauthorised transactions taking place whilst you find your card. The card is locked for a maximum of 15 days but once you find your card you can simply unlock it again and it will be ready to use immediately.
To lock your card either go to;
Services menu
Account menu
If you find your card you can simply unlock your card by either going to;
Account dashboard: If you have locked one of your cards there will be a message on the account dashboard that says “One of your cards is temporarily locked. Review now”
Account menu
If you can’t find your card then you can report your card as lost or stolen to put a permanent block on your card and get a new card reissued. If there are any signs of fraudulent activity on the card then immediately ring 13330 (+6129 553 5333 if overseas) for 24/7 assistance.
To do report your card(s) permanently lost or stolen follow these steps;
Cardless Cash is a feature of the Mobile Banking app which allows you to withdraw cash from any St.George or Westpac ATM without using your card.
You can also share your cash code with friends or family who can then withdraw cash using the code
– a great way to get cash to someone quickly.
Use the ATM Locator feature in the Mobile Banking App to locate the closest ATM.
You can use your cash code to withdraw cash from any St.George or Westpac ATM without using your card.
Use the ATM Locator feature in the Mobile Banking App to locate the closest ATM.
You can make up to 3 Cardless Cash ATM withdrawals a day, with a daily limit of $500 and a weekly limit of $1000.
Cardless Cash is available to any Mobile Banking customer that holds a personal transaction account with a linked debit or credit card
Expense Splitter is an easy way to capture expenses you’ve paid for, and easily record who has and hasn’t paid you back. You can also send SMS messages to your friends so they know what they owe you.
With Contact us you can call our Customer Service Team straight from the Mobile Banking App and skip the security questions. You can also select the type of enquiry you have, so you’ll be connected to the right person faster.
Contact us reduces the average call resolution time by around 2 minutes. It’s faster because by logging on to Contact us you will already be securely identified.
We’ve renamed Connect to ‘Contact us’ and moved this to the bottom tab menu bar (with the phone icon). Tap on ‘Contact us’ to skip the automated questions and get through to exactly who you’re after, faster.
Standard call charges apply from your service provider. Any charges are the same as if you call our contact centre directly.
Yes - Contact us has the same level of security as calling out contact centre directly.
No, not without your login details. You should call our contact centre on 13 33 30 in the event your phone is lost or stolen so we can reset your password as an added level of security.
You can save up to five Quick Pay transactions. There’s two ways to set up and save these:
There’s two ways to make a Quick Pay transaction. From your Banking home page:
The St.George widget lets you view your account balance from the Today Tray within the Notification Centre without having to log in to Mobile Banking.
Follow these steps to add the widget:
To use the widget you will need to have an iPhone running iOS 10 or above with the latest Mobile Banking app installed. For more information check supported devices.
For Credit Cards, or selected Transaction & Savings accounts, simply click on ‘Categories’ from your transaction list to see a monthly view of your spending habits.
No. You can only track your spending for your Credit Card or selected Transaction & Savings accounts.
No. Category names are predefined and you can’t change the category assigned to a transaction.
Payments and purchases are categorised by Merchant Category Code. This category code is assigned to the business to identify what type of business it is.
From time to time you may notice that a purchase shows in a category that you were not expecting. For example, if you purchase milk from your local petrol station the transaction will be categorised as Transport & Travel – Petrol. This is because the purchase, regardless of the item, was made at a petrol station.
For transactions that are not payments to a merchant we use other identifiers such as internal bank transaction codes to categorise your transactions.
You may close an eligible Consumer Credit Card via Mobile Banking.
To close your credit card account:
or
Once you have selected 'Close account' you will be able to follow the steps to complete the closure of your credit card account. If your card has an outstanding balance, you will be provided with the details of this balance. If you have an eligible account, you can return to the dashboard to pay the outstanding balance after closing your credit card account.
Statements can be accessed via Mobile Banking for up to 7 years after you have closed your credit card account. Paper statements are available on request and a fee may apply.
If the credit card account has an outstanding balance after closing the account, this will still be visible on your Dashboard. Once the outstanding balance is zero, the account will no longer be visible on the dashboard, but you can still access statements via Mobile Banking. If you have closed your only account with us and the credit card account you have closed has no outstanding balance, you will no longer be able to log into Mobile Banking as you will no longer have active accounts with us.
You are seeing this credit card account on your dashboard because there is an outstanding balance on your account. This may be due to a number of reasons, including:
This may be due to a number of reasons, including:
This may be as a result of the fact that the calculation of your final (pay-out figure), includes accrued interest (interest not yet charged to your account). As your final payment will include this accrued interest, your balance will reduce to zero on next (final) statement when the accrued interest is then applied. Provided you do not have any pending authorised transactions that are yet to be charged to your account, your final statement will show a zero balance.
Payout figures are calculated based on processing days (working days, ie Monday to Friday). As such if you are closing your credit card on a weekend or a public holiday, the payout amount will include interest up to the next processing (working) day.
Worldwide Wallet is a prepaid travel card which allows you to lock in up to 11 currencies in advance, enabling you to avoid foreign transaction fees when you travel or shop online.
Transferring money to your Worldwide Wallet can also be referred to as a ‘load’, whilst transferring money from your Worldwide Wallet can be referred to as an ‘unload’.
To transfer to your Worldwide Wallet, select ‘Transfer and Pay’, then select a ‘From’ account and select your Worldwide Wallet in the ‘To’ account. Once completed, the funds will be available in your AUD currency.
To transfer from your Worldwide Wallet, select ‘Transfer and Pay’, then select your Worldwide Wallet in the ‘From’ account and select an eligible account from the ‘To’ account list. You will only be able to transfer what is available in your AUD currency. If you have non-AUD currencies you wish to transfer, convert them to the AUD currency first, then complete the transfer.
Please note, future-dated payments are not available for transfers to or from a Worldwide Wallet account.
To convert currencies, select your Worldwide Wallet account from the Account Dashboard, then select ‘Convert currency’. You can then select the currencies you’d like to convert. The exchange rate as well as converted amounts will be displayed. Once completed, the balances of your currencies will update.
The transaction listing for your Worldwide Wallet will show a list of all the transactions available for a selected month. Select the month you’d like to view, and the transactions will be listed for you.
When a transaction is selected, you’ll see the details for that transaction – e.g. amount, exchange rates, which currencies were debited, merchant or ATM details and reference number.
Please note, the last 13 months of transactions are available in Internet and Mobile Banking. If you require access to transactions older than 13 months, call us from Australia on 1300 277 103 or call us from overseas on +61 2 9155 7803 .
The date shown for Worldwide Wallet transactions (e.g. for making a payment at point of sale, loading funds, converting currencies) uses the date in in St. Louis, Missouri, USA (GMT-6).
If you do not have enough funds in a currency to complete a purchase, the funds will be drawn down from another currency (or currencies) in the following order to complete the purchase:
View your Worldwide Wallet account details by selecting the account from the Account Dashboard. You’ll be able to see the status of your account and cards and view your account limits.
Your maximum available balance is limited to AUD$50,000 or equivalent in other currencies. You won’t be able to load funds above this. You can transfer up to AUD$300,000 in total during any 12 month period into your Worldwide Wallet.
You may see in Internet and Mobile Banking a statement with a start date before you collected your cards and activated them. There will be no balance and no transaction activity before you activated the cards. This just reflects when the account was created on our systems. The account is not added to your customer profile until you activate the cards.
The first statement period may be less or equal to one month in length depending on your account statement date. All subsequent statement periods will be a full monthly cycle.
Simply logon to Internet or Mobile Banking to set up and manage a Plan&Pay Instalment Plan. Choose the relevant credit card balance to create a Balance Plan&Pay. You have the option to select either a Cash Advance or Purchase balance of $200 or more. You can also select a Balance Transfer balance where there is 3 or more calendar months remaining on the balance transfer period.
Only Primary cardholders can create (or cancel) a Plan&Pay plan. For Joint Account Cardholders, either Joint account holder may create (or cancel) a Plan&Pay plan. Additional cardholders cannot create (or cancel) a Plan&Pay plan, but can view the details of a Plan&Pay in Internet or Mobile Banking or by using the St.George Mobile Banking app.
Amounts put onto a Balance Plan&Pay will attract interest at the applicable Plan&Pay Annual Percentage Rate. The applicable interest rate will be displayed to you when you create your plan.
Having a Plan&Pay doesn’t change your obligation to always pay the ‘Minimum Payment Due’ by the due date each month.
To repay your Plan&Pay plan you should pay the ‘Minimum Payment with Instalments’ amount shown on your monthly credit card statement.
If you do not pay all or part of the ‘Minimum Payments with Instalments’ amount for two consecutive months, then we may cancel your Plan&Pay plan.
If you miss any Plan&Pay instalments, you may have a remaining balance at the end of your Plan&Pay term. Any Plan&Pay balance that remains at the end of the term will be subject to the variable Annual Percentage Rate that applies to the relevant balance type.
Note that you will still need to pay the ‘Minimum Payment Due’ to avoid a Late Payment Fee.
You can make additional repayments, but they will first be applied to your Main Account Balance before your Plan&Pay balance(s). Once your Main Account Balance is paid off, any additional repayments will be applied to your Plan&Pay.
By creating a Balance Plan&Pay, you request that we change the order in which payments are applied to your Card Account, so that the instalment amount can be paid during the Plan&Pay term. This means that we will apply payments to your Card Account in the following order:
If you have more than one Plan&Pay, we will pay off the plan with the highest interest rate first. If two or more Plan&Pays have the same interest rate, we will apply the payment to the oldest plan first.
In some circumstances this means you might pay more interest than if you didn’t have a Plan&Pay. You can cancel your plan at any time via Internet Banking.
When you no longer have any Plan&Pay plan(s) on your account, (for example, when you repay or cancel the plan(s), then we will apply payments to your account in the order as described in Clause 6.3 of the Credit Card Terms and Conditions.
You can cancel a Balance Plan&Pay at any time with no cancellation fee. Please note that cancellation can take up to 2 business days. Simply logon to Internet or Mobile Banking to cancel your Plan&Pay.
Simply logon to Internet or Mobile Banking to set up and manage a Plan&Pay Instalment Plan. As you view your recent transactions, any eligible purchase of $200 or more made within the last 30 days will have the option to “Pay off in instalments” at 0% p.a. interest. An Establishment Fee will also apply.
Only Primary cardholders can create (or cancel) a Plan&Pay plan. For Joint Account Cardholders, either Joint account holder may create (or cancel) a Plan&Pay plan. Additional cardholders cannot create (or cancel) a Plan&Pay plan, but can view the details of a Plan&Pay in Internet or Mobile Banking or by using the St.George Mobile Banking app.
Purchase Plan&Pay plans have a 0% interest rate but are subject to an Establishment Fee, see the table below:
| Purchase Plan&Pay term | Interest Rate | Establishment Fee (% of the eligible purchase amount) | ||
|---|---|---|---|---|
| 3 months | 0% | 1% | ||
| 6 months | 0% | 2% | ||
| 12 months | 0% | 4% | ||
The Establishment Fee will be added to the Plan&Pay balance and will be included in the monthly instalment calculation. We will indicate the amount of the monthly instalment when you set up a Large Purchase Plan&Pay in Internet or Mobile Banking. To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan.
Having a Plan&Pay doesn’t change your obligation to always pay the ‘Minimum Payment Due’ by the due date each month.
To repay your Plan&Pay plan you should pay the ‘Minimum Payment with Instalments’ amount shown on your monthly credit card statement.
If you do not pay all or part of the ‘Minimum Payments with Instalments’ amount for two consecutive months, then we may cancel your Plan&Pay plan.
If you miss any Plan&Pay instalments, you may have a remaining balance at the end of your Plan&Pay term. Any Plan&Pay balance that remains at the end of the term will be subject to the variable Annual Percentage Rate that applies to the relevant balance type.
Note that you will still need to pay the ‘Minimum Payment Due’ to avoid a Late Payment Fee.
You can make additional repayments, but they will first be applied to your Main Account Balance before your Plan&Pay balance(s). Once your Main Account Balance is paid off, any additional repayments will be applied to your Plan&Pay.
By creating a Purchase Plan&Pay you request that we change the order in which payments are applied to your Card Account, so that the instalment amount can be paid during the Plan&Pay term. This means that we will apply payments to your Card Account in the following order:
If you have more than one Plan&Pay, we will pay off the plan with the highest interest rate first. If two or more Plan&Pays have the same interest rate, we will apply the payment to the oldest plan first.
In some circumstances, this means you might pay more interest than if you didn’t have a Plan&Pay. You can cancel your plan at any time via Internet Banking.
When you no longer have any Plan&Pay plan(s) on your account, (for example, when you repay or cancel the plan(s), then we will apply payments to your account in the order as described in Clause 6.3 of the Credit Card Terms and Conditions.
You can cancel a Purchase Plan&Pay at any time with no cancellation fee. Please note that cancellation can take up to 2 business days. Simply logon to Internet or Mobile Banking to cancel your Plan&Pay.
Your iPhone may ask you to accept permissions after you install an app. Below is a table that describes what these permissions are so that you can feel comfortable accepting them. Permissions can be managed in your device Settings > St.George.
| Permission | As requested on your device | Why do we ask for this? | ||
|---|---|---|---|---|
| Camera | St.George Would Like to Access the Camera | This permission allows the app to access your camera if you would like to take a photo and add it as a profile picture. | ||
| Location | Allow St.George to access your location? | This permission allows us to strengthen security by detecting unusual activity from unexpected places. We also use this permission to show you the nearest branch and ATM, as well as assist with the Contact us feature. | ||
| Notifications | St.George Would Like to Send You Notifications | This permission allows the app to send you push notifications for alerts you control such as balances and transactions. | ||
| Photos | St.George Would Like to Access Your Photos | This permission allows the app to access your photos if you would like to add a profile picture. | ||
A Proof of Balance report may be required by a government department or for things like applying for a loan or rental property.
Tip: Once downloaded you can print and email your report.
A Transaction Listing may be required by a government department or for things like applying for a loan or rental property. You can download a listing showing transactions for the past 30, 90 or 120 days.
Tip: Once downloaded you can print and email the Transaction Listing.
You can see up to 3 years of history on your Credit Card. You can also see at least 12 months of history on your Savings & Transaction accounts (over time this will grow to 3 years).
For some of your transactions we are now able to show additional merchant information such as the name of the merchant or store, the address, the website address and the telephone number, where available. For other merchant transactions, you are able to use Google to search the company name of the merchant for further details.
For your security, we will send a secure code via SMS to your registered mobile phone number. When you receive this:
Please note, if you choose to receive statements and notifications of changes to your account (including terms and conditions changes) by email, you will no longer receive these by mail.
You’ll need a valid email address to receive statements and notices by email. You can change your email address at any time. To do this login, then tap the Services button, then tap Update contact details.
Joint accountsIf you’d like to receive statements and notices for your joint accounts by email, then all account holders must switch to receive these by email. Until all accounts holders have switched, statements and notices will continue to be sent by mail.
Your statements will then be sent to your nominated postal address for notices. To confirm or change your address, please call us or visit a branch.
Joint accountsPlease note, if you switch to receiving statements and notices for your joint accounts by mail, then all joint account holders with start receiving these by mail.
You can view statements for most closed accounts including savings, transaction and credit card accounts closed in the last 7 years. Here’s how:
If you can’t find the statement that you are looking for, please call us or visit a branch.
Your personalised account names will be shown in Internet and Mobile Banking, and in Quick balance (if you have this set up).
Easily change and customise the order in which your accounts appear in mobile banking. Simply:
You can also rename each account for greater convenience.
Yes, it’s important to let us know when you’re travelling overseas so we can provide the right security for your accounts when you are abroad.
You can do this via Tablet BankingMobile Banking, please prepare the following:
Here’s how to advise us you’re travelling overseas:
You can change your residential, mailing and email addresses, as well as your mobile, home and work telephone numbers:
For your security, we will send you a Secure Code to enable changes to your contact details. This code is sent to your current registered mobile phone number, you can alternatively choose to receive the Secure Code by voice to your home or work phone number currently listed with St.George. When you receive this, type the Secure Code into the text box that appears on the Update contact details page and then follow the prompts.
You can open or apply for any of these accounts via Tablet BankingMobile Banking:
From your Tablet BankingMobile Banking home screen:
Here's how to change your daily ATM/EFTPOS cash withdrawal limit
Here's how you can decrease your credit card limit
To increase the limit on your card again you will need to apply separately.
3D Touch allows you to jump straight to specific actions from your home screen.
By pressing down on the Mobile banking app icon, you will be able to see a list of shortcuts to our favourite features – Transfer & Pay, Cardless Cash, Branch & ATM, and Contact us.
Press down on the Mobile Banking app and wait for a list of navigation options to appear including Transfer & Pay, Cardless Cash, Branch & ATM and Contact us.
3D Touch or Quick Links allows you to quickly access certain features of our Mobile Banking app.
3D touch is only available on iPhones 6s, 7 and above.
The easiest way to share your BSB and account number is from the recent transactions page in Quick balance. Tap ‘Show’ on the Quick balance tile on the app home page to open Quick balance. Tap on the account you wish to share the details for, then tap on the share icon in the top right corner. Finally, choose what medium you wish to share the details with.
Alternatively there are two ways to share your BSB and account number from the mobile banking home page (after logon):
Or
Only ever share your BSB and account number details with those people that you trust.
Yes, with our Apple Watch app you can see the balance of up to three accounts with Quick balance, your nearest ATM and your nearest branch. The app should automatically appear on your Apple Watch if you have paired your Apple Watch with an iPhone 5 or above with iOS 10 or later and have our Mobile Banking app installed on your iPhone.