Everyday accounts

Everyday banking + savings account

Spend and save conveniently

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Take charge of your money on payday with two linked accounts to help you budget

Opening a Complete Freedom everyday account and Incentive Saver account together helps you pay bills automatically, save regularly and know what’s left to spend
Pay
Get paid in to your Complete Freedom account ($0 monthly service fee when you deposit min. $2,000 by the last business day of the month)
Manage
Help track your spending habits with Spend Tracker and automate your bill payments to save time and avoid hassle
Save
Grow your savings each month and we’ll reward your dedication with bonus interest. You can also set up a regular savings plan in online banking

Benefits

2.05 % P.A.

Incentive Saver Maximum reward rate


Grow your account balance by at least $50 each month to earn bonus interest (if you are under 21, grow your account balance by any amount each month). The maximum reward rate is a combination of the bonus variable rate of 1.65% p.a. and a base variable rate of 0.40% p.a. for balances above $250,000 

What you get

Visa debit card

Access your everyday account wherever Visa is accepted (if you’re under 14, you get a Freedom card)

Internet banking

Manage your money online wherever you are, whatever you're doing

Automatic transfers

Set up monthly deposits from your everyday account into your savings account via online banking

Spend tracker

All your transactions grouped into categories, to help your track your spending habits

Card Lock

Misplaced your Visa debit card? Temporarily lock your card for up to 15 days while you look for it


Fees you might pay

Complete Freedom

  • $5.00 Monthly account service fee (If you don't deposit $2000 a month)
  • $5.00 Overseas cash withdrawal ($0 when you use our Global Alliance ATM )
  • 3.0% Foreign currency conversion
  • $4.00 Periodical payment
  • $2.00 Frequent statement (request statement outside of cycle)
  • $0.20 ATM mini transaction history request (Bank of Melbourne/ St.George Bank/ BankSA and Westpac ATMs in Australia)

Incentive Saver

  • Free Monthly service fee
  • $5.00 Overseas cash withdrawal ($0 when you use our Global Alliance ATM )
  • 3.0% Foreign currency conversion
  • Free Periodical payments are free to another BankSA , St.George or Bank of Melbourne account. All other accounts incur a $4.00 fee.
  • $2.00 Frequent statement (request statement outside of cycle)
  • $0.20 ATM mini transaction history request (Bank of Melbourne/ St.George Bank/ BankSA and Westpac ATMs in Australia)

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 980KB)

In detail

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges
T&Cs and Fees
Internet and Mobile banking T&Cs
Interest rates

How to open an account

1.
Read both the terms and conditions, and fees above
2.
Have your ID and Tax File Number details
3.
Select yes on the form to add a transaction account
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