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An award-winning transaction account#

Winner of Canstar's 5-Star Rating for Outstanding Value Transaction Account in 2019 for features including a comprehensive branch and ATM network, transaction security and outstanding Internet Banking.

Smart Banking, everyday, everywhere

$0 monthly service fee
when you deposit at least $2,000 by the last business day of every month
Global ATM Network
No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world via the Global ATM Alliance and partner ATMs (other fees may apply)
Fraud money back guarantee
We’ll refund you 100% of any money taken from your account if you’re a victim of fraud provided you let us know right away1


Easy access to your money at home and overseas

Visa Debit Card

With a Visa Debit card you can use your own money to shop in-store, online or over the phone. Heading overseas? You can also use your card while you’re away – from tickets and accommodation to shopping anywhere in the world Visa is accepted.


Mobile Banking

Manage your money on the go with the BankSA mobile banking app. Not only can you check your account balance with just a swipe, you can also transfer money between accounts or to someone else, find your nearest ATM and keep tabs on your transactions.



Special offer


on us!

Get $40 with a new Complete Freedom everyday bank account when you apply online by 16-Jan-20 and deposit $500 within 30 days. T&Cs apply*

Open now


Spend Tracker
All your transactions grouped into categories to help you track your spending habits2
Card Lock
Misplaced your card? Temporarily lock your card for up to 15 days while you look for it
Need to split a bill?
Pay or get paid by anyone, anytime, securely and in real time with the Beem It app when you link your Visa Debit Card
Quick Balance
Know exactly how much money you have on hand at a glance on your smartphone or watch

Fees and charges

  • FREE eftpos and Visa Debit transactions
  • $5.00 Monthly account service fee (If you don't deposit $2000 a month)
  • FREE ATM use in Australia (BankSA/ St.George Bank/ Bank of Melbourne and Westpac ATMs in Australia)
  • $5.00 Overseas cash withdrawal ($0 when you use our Global Alliance ATM )
  • FREE Overseas cash withdrawal from a Global Alliance Partner ATM
  • 3.00% Foreign currency conversion
  • FREE Internet, mobile and phone banking transactions
  • $4.00 Periodical payment
  • FREE Direct debit
  • $2.00 Frequent statement (request statement outside of cycle)
  • FREE Cheque
  • $0.20 ATM mini transaction history request (BankSA/ St.George Bank/ Bank of Melbourne and Westpac ATMs in Australia)
  • FREE Staff assisted (branch and telephone)

In detail

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges.

How to open an account

Read both the terms and conditions, and fees above
Give yourself a few minutes
Have your contact details handy

1. Our BankSA Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted BankSA Promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.

2. The Spend Tracker tool provides general information only and does not take into account your personal circumstances. It is intended to be a guide only.

# The Canstar Rating was awarded on 17th May 2019 for the Complete Freedom product for the High Transactor profile, for the Complete Freedom Student product for the Youth Transactor profile, and for the Retirement Access Plus product for the Senior Transactor profile.