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What is a Visa Debit Card?

A Visa Debit Card lets you shop with your own money in stores and online anywhere Visa is accepted. You can also use your card to get cash out at ATMs
Global ATM Network
Get cash out and pay no ATM withdrawal fee at any major bank ATM in Australia and around the world via the Global ATM Alliance and partner ATMs (other fees may apply) 1.
Tap and Pay
Save time and skip entering a PIN for purchases under $2005 with Visa payWave.
Keep track of your finances in the BankSA Mobile Banking app with Mobile Notifications such as balance reminders, withdrawal or authorisation alerts, and deposits notifications.

What’s the difference between a debit card and a credit card?

A debit card is linked to your everyday bank account. That means whenever you get cash out or pay for something the money is taken from your account. With a credit card you’ll be paying from an approved line of credit which you’ll have to repay later. 


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 away2

Added security

eftpos Secure and Visa Secure lets you shop online knowing your internet purchases and payments are safer and more secure

Lost your card?

Lock your card in a flash with the BankSA Mobile Banking app (you can still get cash out from your account with Cardless Cash3)

How to get a Visa Debit Card

If you’re 14 years or over, you can get a Visa Debit card when you open a BankSA everyday account online. It only takes a few minutes and all you need is your valid ID (PDF 1MB). We have everyday accounts for ….


Smart banking everyday, everywhere

High school students

Start out in the right direction with a Complete Freedom account

Young adults & students

A transaction account designed for day-to-day banking needs

Concession card holders

An accessible concession card account


Easy banking for retirees

If you’re 12 or 13 years old and have an Australian residential address, you can request a Freedom card in branch for shopping in stores and getting cash out at ATMs when you open an everyday account for high schoolers



You can use your Visa Debit Card anywhere Visa is accepted in Australia or overseas1 (3% foreign transaction fee applies), and can use it in person, online or over the phone.

While you’re overseas, you can avoid paying a $5 overseas ATM withdrawal fee by using ATMs belonging to the Global ATM Alliance (other fees may apply). Make sure you select ‘Credit’ and enter your PIN when getting cash out at an overseas ATM. 


1.      Global ATM: A 3% BankSA Foreign Transaction Fee applies to overseas debit card withdrawals. Refer to Global Alliance for list of members.

2.      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 Fraud Money Back Guarantee for full details, including when a customer will be liable.

3.      Cardless Cash is available on eligible BankSA transaction accounts with a linked debit card. Limit of 3 withdrawal transactions per day applies, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at Westpac Group ATMs in Australia. To access cardless cash on your mobile, you must be registered to use Internet Banking and download the BankSA Mobile Banking app.

4.      Primary transaction account is only available when using ATMs and POS while overseas. 

5.      As at 7 April 2020, the Visa payWave transaction limit has been temporarily increased from $100 to $200. This is a temporary increase, that is being progressive rolled out, and will be only available on certain cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the Visa payWave limit is part of an industry-wide response to help reduce the spread of COVID-19. 

Read the Visa Debit Terms and Conditions (PDF 932KB), including for fees and charges that may apply, before making a decision and consider if it is right for you.