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Transaction accounts

Everyday banking should be everyday easy. That’s why we offer smart day-to-day banking solutions that fit the way you work and live, from quick and easy ways to manage your money to electronic banking and debit cards you can use worldwide.

Complete Freedom
An easy access everyday bank account
  • $0 monthly account service fee if you deposit $2,000 per month by the last business day of the month1 (otherwise $5 per month)
  • Free SMS and email alerts to manage your banking
  • Cardless cash - take cash out without your card2

Royal Adelaide show ticket and $50 cash if you deposit $500 within 60 days of account opening. New customers only.*


Are you a student or under 18?

Forget the monthly service fee and still enjoy the benefits.

Concession Account
For Commonwealth Government Health Concession Card or Senior Card holders
  • $0 monthly account service fee3

Retirement Access Plus Account
For those aged 55+ and retired, or Pensioner Concession Card holders
  • $0 monthly account service fee4

Society Cheque Account
Easy banking for non-profit organisations
  • $0 monthly account service fee for all organisations and government organisations with a minimum account balance of $10,0005 (otherwise $6 per month)

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.

Offer details

*Offer valid from 1/7/2017 – 25/8/2017 (inclusive). Excludes customers who have held a Complete Freedom Account with BankSA, St.George or Bank of Melbourne anytime between 1/07/2016 and 30/06/2017. An email address must be registered at the time of opening the account online, in branch or by phone.

Within 15 business days of opening the account, the Royal Adelaide Show adult ticket will be sent via email, to the email address supplied at the time of opening the account.

Once a minimum of $500 is deposited within 60 days of account opening, $50 will be deposited within 67 business days. Accounts must remain open for 68 days after the account open date to be eligible for the $50 payment. Offer limited to one $50 deposit and one Royal Adelaide Show adult ticket per eligible customer. Tickets are subject to the terms and conditions of entry to the Adelaide Showground available at Not available with any other offers. Read the product terms and conditions available at before making a decision and consider if the product is appropriate for you. Fees and charges may apply. BankSA’s Golden Ticket: Customers who qualify for the above Royal Adelaide Show ticket offer and receive an adult ticket, will automatically be entered into a draw to win a BankSA’s Golden Ticket prize. The prize includes a VIP family show day experience and must be used on 9/9/2017. Prize draw will take place at 9am on 31/8/2017 at 97 King William Street Adelaide. Winner notified via phone on 31/8/2017.

1. The monthly account service fee of $5 will apply, if by the last business day of the month, you do not deposit a minimum of $2,000.

2.  Cardless Cash is available on eligible transaction accounts with a linked card. Cardless Cash limit of 3 cardless transactions per day, subject to daily withdrawal limit of $500 and weekly withdrawal limit of $1,000. All Cardless Cash limits apply across St.George, BankSA and Bank of Melbourne accounts and Mobile Banking apps. Only available at St.George, BankSA and Bank of Melbourne ATMs in Australia.

3. Other fees and charges may apply.

4. Retirement Access Plus Account has no monthly account service fees but other fees and charges apply if the minimum monthly account balance is less than $20,000.

5. The monthly account service fee of $6 will apply if your organisation is a government organisation, and your minimum monthly balance is under $10,000.

6. Customers must be 14 or older and have an Australian residential address to be eligible for a Visa Debit Card. If you're not eligible, you may be offered a FreedomCard to access your account.