Everyday Account + Visa Debit Card

With zero account-keeping fees, our feature-packed Complete Freedom account makes managing your money a breeze. Boom!

Why?
Features
Fees and charges
In detail

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Smarter banking that takes care of your needs

$0 account-keeping fee

Every dollar counts! You won’t pay any account-keeping fee on your Complete Freedom transaction account

My Offers Hub

Access to offers and benefits on popular lifestyle brands just for being an eligible* cardholder

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

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. Find out more.

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.

Fast and secure ways to pay

Make contactless purchases using your choice of mobile wallet, including Apple Pay, Google Pay and Samsung Pay.

Special offer

$40

on us!

Get $40 with a new Complete Freedom everyday bank account when you apply online by 24th January 2022 and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. New transaction account customers only. Exclusions, T&Cs apply*

Open now

*Important information

$40 Offer: Fees and charges apply. Read the terms and conditions available at banksa.com.au before making a decision and consider whether the product is right for you. To be eligible for the $40 offer you must: open a new Complete Freedom account online between 1/10/2021 and 24/01/2022, and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. Eligible card purchases are purchases made using your BankSA debit card linked to your Complete Freedom account and have these settled (not pending). The following transactions are ineligible: ATM transactions, BPAY, EFTPOS cash out only transactions and purchases settled to a credit card account. If eligible you will receive $40 into your Complete Freedom account within 50 days of opening. The account must remain open during this period in order to be eligible for the offer. New Complete Freedom account customers only. All account holders on the new Complete Freedom account must not currently hold or have previously held a BankSA, St.George or Bank of Melbourne transaction account, or received this cashback offer at any time to be eligible. Where a joint account is opened, if one of the joint account holders has already received their cashback in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account. Offer is limited to one eligible account and is not available in conjunction with any other offer.

Read the Terms and Conditions, including for fees and charges that may apply, before making a decision and consider if it is right for you.

Features

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

$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
$15.00 Overdrawn fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 871KB)

Complete Freedom Fee Removal FAQs

What's happening?

Starting on 30 March 2021, we will no longer be charging an account-keeping fee on our Complete Freedom transaction accounts.

I don’t have a Complete Freedom transaction account, does the fee removal apply to me?

Will you reimburse account-keeping fees charged before the 30th of March?

See all FAQs

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

How to open an account

Open your account in under 3 minutes.

Types of ID you can use

You can now use your account online.

Your Visa Debit will arrive in the mail.

Automatically import your payees and billers via your Internet Banking and switch your payments.

Switch your banking

Not right? Try these.

All transaction accounts

All accounts

All Savings accounts

Savings accounts

Important information

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.

Read the Apple Pay Terms and Conditions (PDF 65KB) 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.

Read the Google Pay Terms and Conditions (PDF 80KB) before making a decision and consider if it is right for you. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.

Read the Samsung Pay Terms and Conditions (PDF 104KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Mastercard, PayPass and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.