In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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BankSA Concession Account

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BankSA Concession Account
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value

Our verdict

Australian concession card holders can take advantage of a low cost, easy-to-manage account structured purposely to meet their needs

This account has all the same features and benefits of the BankSA Complete Freedom Account, except there’s no monthly account keeping fee and no ongoing balance requirements or deposit conditions to meet.

There are strict eligibility requirements, though, so this account isn’t available to all customers. To be eligible for this account you need to be a concession card holder with a senior’s card or a Commonwealth Government Health Concession Card.

If you’re a full-time student, you'll get the monthly account fee waived with the BankSA Complete Freedom Account.


  • Free staff assistance in branch and over telephone
  • $$0 service maintenance fee per month.
  • Free banking withdrawals everyday at BankSA.
  • Internet and phone banking transactions are free.


  • There is a 3.0% foreign currency conversion fee.
  • There is a $$5 overseas cash withdrawal fee.

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question

If you hold a senior’s card or Commonwealth Government Health Concession card, BankSA has an everyday banking account that takes your needs into consideration. Pay no monthly fees, yet still benefit from total access to your money in a variety of ways. This includes a Visa debit card which permits you to make purchases and withdrawals wherever Visa is normally accepted.


Key details

Product Name BankSA Concession Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5 + 3%
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay


Joint account availability Yes
Minimum opening deposit N/A
Residency status Permanent Australian residents with an Australian address

Key features

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Monthly service fee

You are not charged any monthly account keeping fees with BankSA's Concession Account.


You are allowed unlimited transactions in branch, at ATMs, over the phone, online, and with EFTPOS free of charge.

How to apply


If the features of the BankSA Concession Account fit in with your spending style, you can apply for this account by calling BankSA or visiting your local branch. Before heading out, check first that you are able to meet their eligibility requirements:

  • Minimum age. So long as you hold either a senior's card or a Commonwealth Government Health Concession card, you will be considered eligible for this account.
  • Residency requirements. You must be residing inside of Australia at the time of application and be able to provide proof of an Australian residential address.

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