Savings account rates › St.George Bank
Incentive Saver
St.George Bank
CDR officialNot ranked in rate tables
An account that rewards you with bonus interest for regular saving to help you save faster.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 5.39% | Bonus · $0–$20,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate | CDR | 1 Nov 2026 |
| 5.39% | Bonus · $20,000–$100,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate | CDR | 1 Nov 2026 |
| 5.39% | Bonus · $100,000–$250,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate | CDR | 1 Nov 2026 |
| 5.39% | Bonus · $250,000–$500,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate | CDR | 1 Nov 2026 |
| 5.39% | Bonus · $500,000–$1,000,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate | CDR | 1 Nov 2026 |
| 5.39% | Bonus · $1,000,001 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate | CDR | 1 Nov 2026 |
| 0.01% | Variable · $0–$20,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $20,000–$100,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $100,000–$250,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $250,000–$500,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $500,000–$1,000,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.01% | Variable · $1,000,001 or more | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGSavIncentiveSaver- Content hash
sha256 83a6d97c0ae17fbe2b0d5ce92a46072f4c078815720c293baad998801cc53d7f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_83a6d97c0ae17fbe_9cac596bShow details
- Checked
- 1 Nov 2026
- URL
https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGSavIncentiveSaver- Content hash
sha256 83a6d97c0ae17fbe2b0d5ce92a46072f4c078815720c293baad998801cc53d7f- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Keeping Fee | Periodic | $0.00 |
| Internet Banking | Transaction | $0.00 |
| Phone Banking | Transaction | $0.00 |
| Visa Debit Transactions | Transaction | $0.00 |
| EFTPOS | Transaction | $0.00 |
| Collection Item | Transaction | $0.00 |
| Overdrawn Fee | Event | $15.00 |
| Overseas Withdrawal | Withdrawal | $5.00 |
| Direct Debit | Withdrawal | $0.00 |
| Foreign Currency Conversion Fee | Transaction | 3.00% |
| Frequent Statement | Event | $0.00 |
| Staff assisted (branch and telephone) | Withdrawal | $0.00 |
| Bank@Post | Transaction | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Cashback offer | 50.00 | $50 cashback on your new account. Open a new Complete Freedom account with an eligible savings account by 31st March 2027. Spend $50 or more within 15 days, and we'll drop $50 straight into your savings. T&Cs apply. For new single account holders who've not held a St.George Bank Complete Freedom account or savings account in the past 2 years. |
| Other | 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. | |
| Other | Automatic transfers: Help yourself get the total reward rate by setting up a monthly deposit in online banking. | |
| Other | Uncapped saving: Interest is calculated on the total balance of your Incentive Saver with no limit on deposit amounts. | |
| Other | Government guarantee: The Financial Claims Scheme guarantees deposits to a cap of $250,000 per account-holder. | |
| Other | Quick Balance: Know exactly how much money you have on hand, at a glance at your smartphone or watch. | |
| Other | No limit on the number of accounts that customer can hold, unless the account holder is under the age of 18, in which case a limit of one account applies | |
| Other | Account can be opened via Online and mobile (minimum age may apply), in branch and phone. | |
| Other | No minimum opening balance for this account | |
| Other | Statements: 6 monthly, or more frequently on request. | |
| Digital banking | Online, Mobile and telephone banking is available and alerts will be received | |
| Other | You will earn tiered interest with this product. Interest is paid monthly. | |
| Fraud protection | The product includes FRAUD_PROTECTION features. | |
| Relationship management | RELATIONSHIP_MANAGEMENT is available for eligible customers. | |
| Other | You can pay bills using BPAY | |
| Eligibility: other | An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory. | |
| Eligibility: residency status | Those with an Australian residential address and who are currently in Australia. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $20,000–$100,000 | 1 Nov 2026 | Current | 5.39% |
| Variable · $500,000–$1,000,000 | 1 Nov 2026 | Current | 0.01% |
| Bonus · $0–$20,000 | 1 Nov 2026 | Current | 5.39% |
| Variable · $1,000,001 or more | 1 Nov 2026 | Current | 0.01% |
| Bonus · $250,000–$500,000 | 1 Nov 2026 | Current | 5.39% |
| Variable · $0–$20,000 | 1 Nov 2026 | Current | 0.01% |
| Variable · $100,000–$250,000 | 1 Nov 2026 | Current | 0.01% |
| Bonus · $100,000–$250,000 | 1 Nov 2026 | Current | 5.39% |
| Bonus · $500,000–$1,000,000 | 1 Nov 2026 | Current | 5.39% |
| Variable · $20,000–$100,000 | 1 Nov 2026 | Current | 0.01% |
| Bonus · $1,000,001 or more | 1 Nov 2026 | Current | 5.39% |
| Variable · $250,000–$500,000 | 1 Nov 2026 | Current | 0.01% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-base-relationship-unstated | Reason this product is not ranked | |
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