Everyday accounts

Everyday Account + Visa Debit Card For High Schoolers 

Complete Freedom with Visa Debit Card access

Open now

Get $50 when you bank and save together

Open both accounts

Open a new Complete Freedom account and an eligible savings account. Accounts must be in the same name.

For new account holders who’ve not held a BankSA Complete Freedom account or savings account in the past 2 years.

Deposit at least $50
Deposit $50 or more into your Complete Freedom account within 10 days of opening your accounts.
Get $50 back

Once you meet the criteria, we'll add $50 into your savings account. Offer ends 8 June 2026.

T&Cs apply*

 

See all FAQs

Open now


 

Easy access to your money


Visa Debit Card 

In a store, overseas, online or on the phone – pay for what you need with your own money using a Visa Debit card.1
 

Mobile Banking

With the BankSA mobile banking app you can take your bank with you on your phone – see how much you’ve got in your account with just a swipe, transfer money between your accounts and find your nearest ATM.
 

Apple Pay

Fast, secure, contactless. Apple Pay lets you pay in-store and online with your BankSA Visa Debit card using your favourite Apple device. Find out more

 

High schooler looking for an everyday account

Start out in the right direction with a Complete Freedom account
No account-keeping fees
Every dollar counts! You won’t pay any account-keeping fee on your Complete Freedom transaction account
Part time job?
Arrange to get paid straight into your new account
ATMs everywhere!
Use any major bank ATM in Australia without having to pay an ATM withdrawal fee (other fees may apply)

    

    

Fees and charges

  • $0.00 Account-keeping fee
  • $0.00 Cash withdrawals on major bank ATMs in Australia (Certain ATM providers may still charge a fee)
  • $5.00
    Overseas withdrawal fee ($0 when you use our Global Alliance ATMs)

     
  • 3.00% Foreign currency conversion fee for transactions made in foreign currency, and the merchant or financial institution accepting the card is located outside Australia
  • $15.00 Overdrawn fee
  • 15.01% p.a. Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement.

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 815KB)

Smarter ways to manage your own money

Lost your card?
No worries! You can lock it in an instant with the BankSA app
Budget with ease
With Spend Tracker2 you can keep an eye on where your money is going – it’s an easy way to see where you might be able to tweak your spending
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
Keep tabs on your cash
Finding out how much you have in your account is as easy as taking a quick glance at your smartphone or watch

The technical stuff

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

Getting started is as easy as 1, 2, 3...

1.
Get your ID ready and open your account online (if you're under 14, you'll need to head into your nearest branch).
Types of ID you can use
2.
Start using your account instantly online while we get your Visa Debit card in the mail
3.
Already have a job? Ask your employer to deposit your pay straight into your account– the same goes if you get an allowance from your parents
Open now

Not right? Try these.

Complete Freedom

Smart banking

All transaction accounts

All accounts

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

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 $50 Cashback Promotion Terms and Conditions

This promotion runs from 1 February 2026 to 30 September 2026. 

To be eligible you must: 

- Under 18 years old and have not held any transaction or savings accounts with BankSA in the last 2 years from the date the last transaction or savings account closure.  

- Open a new Complete Freedom account AND, a Incentive Saver OR Maxi Saver. Accounts must be in the same name, activated and ready to use. 

- Deposit a total of at least $50 into your Complete Freedom account within 10 calendar days of the first account being opened. Deposit(s) must be processed (not pending) by the end of the 10th day. 

- Deposit must be customer-initiated and does not include interest payments into the account or internal transfers between your BankSA accounts. 

- Keep the account open for a minimum of 60 days after you meet all other eligibility criteria. 

- Hold the accounts in one name only. These accounts cannot be in joint names.  

If you meet the above: 

- You're eligible for a one-time $50 payment. 

- The $50 payment will be made to your Incentive Saver OR Maxi Saver within 60 days of you meeting all Terms and Conditions and eligibility criteria. 

- If you open more than one Incentive Saver OR Maxi Saver, the $50 payment will only be made once into the first savings account opened and activated. 

- This promotion may be varied or withdrawn at any time. It is not available in conjunction with any other offer unless otherwise stated. 
 
Read the  Apple Pay Terms and Conditions (PDF 103KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our  Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.