Everyday accounts

Everyday Account + Visa Debit Card

With no account-keeping fee, our feature-packed Complete Freedom account makes managing your money a breeze.

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No account-keeping fees
Every dollar counts! You won't pay any account-keeping fee on your Complete Freedom transaction account
Visa Debit card
Whether you're in a store, online or on the phone - pay for what you need with your own money using a Visa Debit card1
Rewards & Offers
Get access to My Offers Hub2 and ShopBack where you can find discounts 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 away


 


 

Freedom and control


Safer shopping with your Digital Card
It's a digital version of your debit card, available in the BankSA App.  Use it just like your physical card to shop online, pay bills, and set up your recurring card payments. The dynamic CVV refreshes in your App every 24 hours – making your card details even more secure and reduces the risk of fraudulent card activity by over 50%.

$0 international transfer fees
AUD $0 fee per transaction when you send foreign currency overseas via Internet Banking.

Internet and Mobile Banking
Manage your banking needs wherever you are with Internet Banking and features such as Quick Logon and Push notifications via the Mobile App. For more information please read Internet and Mobile Banking T&Cs (PDF 261KB).


Safe and secure banking

Card Lock

Instantly put your card on temporary lock if it's lost, stolen, or misplaced to reduce the risk of unauthorised transactions.

 

Notifications

Choose the alerts you want to receive to get push-notifications straight to your phone to monitor your account activity.

 

Fraud money back guarantee

We ensure that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted BankSA promptly.3

 


 


 

Standard Fees and Charges

  • $0.00 Account-keeping fee
  • $0.00 Cash withdrawals on most 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 (see Overdraw Preference Feature for more information)
  • 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 664KB)

Shop through ShopBack. Get Cashback.

Link and pay with your eligible BankSA debit card to get exclusive bonus Cashback when you shop on the new BankSA Lounge on the ShopBack app.

Find out more

Download the BankSA App

 

Not right? Try these.

All transaction accounts

All accounts

All Savings accounts

Savings accounts

Important information


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

2. My Offers Hub is available to eligible consumer debit and credit card customers only.

3. 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.

Read the Terms and Conditions (PDF 664KB), including for fees and charges that may apply, before making a decision and consider if it is right for you.

Read the Apple Pay Terms and Conditions (PDF 47KB) 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 58KB) 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 63KB) 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 or 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.