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SENSE helps you save and budget
  • SENSE is two great accounts working together – SENSE Savings account and SENSE Everyday transaction account
  • Earn a competitive % p.a. on SENSE Savings plus pay no account service fees when you deposit at least $2,000 a month into your SENSE Everyday account1
  • Save faster with rounding! Purchases using Visa Debit, Freedom Card and BPAY® are rounded up to the next dollar, with the ‘rounding amount’ automatically transferred into SENSE Savings2
  • Get one easy statement  to track spending and savings.


2 linked accounts – SENSE Everyday transaction account and SENSE Savings

Great rate

Earn % p.a. on SENSE Savings

Track savings and spending

One easy statement to set savings goals and track spending history

Visa Debit Card5


Shop securely with a Visa Debit card 5 at home, online or overseas using money from your SENSE Everyday account

Convenient access

24/7 access at over 3000 BankSA, Bank of Melbourne, Westpac and St.George  ATMs and via Phone and Internet Banking 4

Compare accounts

Sense Savings (Part of BankSA SENSE. Must be linked to SENSE Everyday)

Balances up to $4,999.99

% p.a.

From $5,000 to $9,999.99

% p.a.

From $10,000 to $19,999.99

% p.a.

From $20,000.00 to 49,999.99

% p.a.

From $50,000.00 to $99,999.99

% p.a.

From $100,000.00 to $249,999.99

% p.a.

$250,000 and over

% p.a.

BankSA SENSE fees

Monthly account service fee (waived if you deposit a minimum of $2,000 by the last business day every month)


Transaction fees for everyday banking

Internet Banking transactions


Phone Banking transactions


Visa Debit transactions


BankSA / Bank of Melbourne / Westpac / St.George ATMs




Electronic agency


Branch staff assisted




Other transaction fees (Free monthly withdrawal allowances do not apply to these fees)

Direct Debit


Periodical Payment


Overseas Cash Withdrawal (including overseas ATM withdrawal)


BankSA / Bank of Melbourne / St.George ATM Mini transaction history request


Frequent Statement (per month)

$2.00 per month

Foreign Currency Conversion


Collection item


# The Periodical payment fee is payable for a transfer of funds that we make on a regular basis at your request from your Account to another specific account. The fee is charged at the time the transaction occurs.

Periodical payments to another account held with BankSA, Bank of Melbourne & St.George are free.

Get great tools to budget and save

With SENSE you’ll save automatically and know exactly where your money goes. Set savings targets and compare spending. No more complicated personal finance programs or saving your receipts – SENSE does it for you!

Easy ways to save

Set your target and get an easy-to-read statement with colour-coded savings charts. You’ll be earning a competitive interest rate on every dollar in your SENSE Savings account.

Rounding helps you save automatically – purchases using Visa Debit, Freedom Card and BPAY® are rounded up to the next dollar, with the ‘rounding amount’ automatically transferred from your SENSE Everyday transaction account into your SENSE Savings.2

Track your spending

Your statement tracks spending in 10 pre-determined categories (e.g. transportation, daily living, loans, etc)4

Compare your spending habits over time to see exactly where your money goes.4

5 reasons to love SENSE

With SENSE you’ll see where your money goes – and save automatically at a great interest rate!

Choose SENSE if you:

  1. Want one easy statement for two great accounts – a high-interest earning account plus a transaction account
  2. Want charts of your saving and spending – without hassles! No complicated personal finance programs or saving every receipt
  3. Want to compare expenses across several months
  4. Love setting a savings target and seeing your progress
  5. Believe ‘every little bit helps’ and want to save automatically.


Apply online

Open now. It takes just 10 minutes!


Open an account anywhere, anytime via your smart phone. Simply chose one of the following options:

  • go to the BankSA App and select "Open an account"
  • logon to BankSA Mobile Banking and tap the ‘New accounts’ tab

Call us

13 13 76 and say “New account” when prompted

Visit a Branch

Find your nearest branch

What you'll need

Contact details (address, phone number, email address)      

Find out what information you need to provide to become a customer


You don’t have to be an existing BankSA customer to apply online.

How to apply

Important information

Conditions and fees apply.

Before making a decision, it’s best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 13 76.

1 A flat monthly service fee of $5 will apply to your SENSE Everyday account if you do not deposit at least $2000 before the last business day of the month. There is no monthly fee for your SENSE Savings account.
2 ‘Purchases’ refers to those made in Australian dollars to a merchant in Australia. We also round withdrawals using your Visa Debit Card when you press the credit button at an ATM, withdraw from an Electronic Agency and through Bank@Post, and purchase overseas using your Maestro/Cirrus ATM card.
3 Subject to systems availability.
4 The breakdown of transactions is a guide only. It is not intended to be a substitute for your own budget or financial plan.
5 To be eligible for a Visa Debit Card, you must have an Australian residential address and be over 14 years of age.