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Key rate & fees

14.99% p.a.
Variable interest rate (charged daily)2
$500 - $20,000
Credit limit (subject to approval)
$5
Monthly overdraft fee
$0
Lending establishment fee

The Detail

Overdraft T&Cs
General details for BankSA overdrafts
Overdraft fees
Costs that may apply to overdrafts
Account T&Cs and Fees
Information on transaction, savings and investment account terms, fees and charges

Important information

Unsecured Personal Loans Overdraft General Terms and Conditions (PDF 178KB) - for customers approved before 18 March 2024.​
Unsecured Personal Loans Overdraft General Terms and Conditions (PDF 241KB) - for customers who apply, or are approved, on or after 18 March 2024.

Any advice on this website is general in nature and has been prepared without considering your objectives, financial situation or needs. Please read the product disclaimer and Terms and Conditions documents and consider your individual circumstances before applying for a BankSA Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information correct as of 22 May 2024. Interest rates are subject to change.

2. Interest is charged daily and is charged on the balance owing on your account for the end of that day if it is a debit balance. If the balance owing on your account exceeds the overdraft limit (or if a transaction would cause this to happen) we may, without notice, decline, stop or reverse the transaction or we may choose to honour the transaction. You will be charged a fee when we exercise our discretion to honour the transaction. If the overdraft limit is exceeded, you must immediately repay the excess. Higher interest charges may apply until you do so.

Unless otherwise specified, the products and services described on this website are available only in Australia from BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.