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Transaction accounts

Everyday banking should be everyday easy. From quick and easy ways to manage your savings and daily expenses, to electronic banking and debit cards you can use at over 30 million merchants worldwide, we offer smart day-to-day banking solutions that fit the way you work and live.

Complete Freedom Account

BankSA SENSE Accounts

  • A savings account linked to a transaction account with one easy statement
  • $0 monthly account service fee when you deposit at least $2,000 by the last business day of the month3

Express Freedom Account

  • Low cost everyday banking with pay-as-you-go branch and cheque services
  • $0 monthly account service fee when you deposit at least  $1,000 by the last business day of the month4

Retirement Access Plus Account

  • Designed for retirees and pensioners with $0 monthly account service fee
  • Competitive interest rate

Concession Account

  • Designed for Concession Card holders with $0 monthly account service fee
  • Free unlimited everyday banking transactions

Complete Freedom Student Account

  • A bank account designed for under 18s and students
  • Unlimited branch2 and ATM access

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. To be eligible for a Visa Debit Card, you must have an Australian residential address and be over 14 years of age.

2. Daily withdrawal limits apply. 

3. 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.

4. The account service fee of $3 will apply, if by the last business day of the month, you do not deposit a minimum of $1,000. Daily transaction limits apply.