Trying to cancel

St.George Bank

? Avoid the runaround.

St.George allows account holders to close most personal bank accounts and credit cards with ease, provided these conditions are met:

• Authorised Account Holders:
  Only the primary account holder or cardholder can initiate cancellation. Joint accounts requiring multiple signatures must be closed at a branch, with ID verification.
  
  
• Eligible Accounts:
  Most everyday accounts and credit cards can be closed online. Special accounts like passbooks, term deposits, home loan offsets, or accounts for minors must be closed by contacting St.George directly or in-branch.
  
  
• Settled Balances:
  Your account must have a $0 balance with no pending transactions. Ensure you withdraw positive balances and settle any debts first.
  
  
• Linked Services:
  Accounts with linked services (e.g., savings linked to transaction accounts) might require simultaneous closure.
  
  
• Recurring Payments:
  St.George doesn’t automatically cancel direct debits or recurring payments. You must manually cancel these before closing your account.
  
  

In short, as long as you're authorised and your account balance is settled, cancellation at St.George is straightforward without long-term lock-ins.

Closing your St.George account or card can be done quickly:

Online/App (Preferred):

• Log in to St.George Internet Banking or the Mobile App.
  
  
• Select your account/card and find "Close Account" under the Services or Card Services menu.
  
  
• Follow prompts and confirm the closure reason to submit.
  
  

By Phone or Branch:

• Call 13 33 30 (within Australia) or +61 3 8536 7870 (overseas).
  
  
• Visit a St.George branch with photo ID, especially for special account closures or joint accounts needing multiple approvals.
  
  
• You can complete an Account Closure Request Form (PDF) ahead of your branch visit.
  
  

Post-Closure Actions:

• Update automatic payments or recurring charges separately with merchants.
  
  
• If closing your last account, remember your online banking access ends - download needed statements beforehand.
  

Closure typically completes within minutes online or a brief phone conversation. Confirmation arrives within 5–10 business days.

Timing matters to avoid extra costs when cancelling:

• End of Billing Cycle:
  For credit cards, cancel right after paying your monthly bill to avoid additional fees. Outstanding interest or charges after cancellation remain your responsibility.
  
  
• Recurring Payments:
  Cancel or redirect automatic payments prior to closure. St.George won’t stop recurring charges automatically.
  
  
• Positive Balance Refunds:
  Withdraw or transfer positive balances beforehand. If funds remain, St.George may need extra days to transfer or issue a cheque.
  
  
• Rewards Cards:
  Unused Amplify Reward points expire 90 days after initiating card cancellation. Redeem promptly.
  
  
• Inactive Accounts:
  Accounts inactive for 7 years may be closed automatically. Proactively close unused accounts to avoid unexpected closures.
  

In general, no strict cancellation deadline exists, but aligning your closure after debts are cleared and before new billing cycles can save you hassle.

St.George does not charge fees for closing standard bank accounts or credit cards, but consider these indirect costs:

• Outstanding Balances:
  Interest or fees already accrued must be settled before account closure.
  
  
• Cheque Issuance Fee:
  Requesting a cheque for remaining balances incurs a $10 fee. Opt for electronic transfers instead.
  
  
• Early Termination of Special Products:
  Breaking term deposits or fixed loans early may incur administrative fees or interest adjustments. Check product-specific terms.
  
  
• Indirect Costs:
  Paying off loans/cards early may involve transfer fees or additional interest from other financial institutions.
  
  

Once your account is closed, any ongoing monthly fees stop immediately, though partial refunds for paid periods generally aren’t available.