In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert
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BankSA Complete Freedom Account

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BankSA Complete Freedom Account

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

Our verdict

This account charges no monthly account keeping fee and offers a variety of ways to pay including Google Pay, Apple Pay or with your Visa Debit Card.

This is an everyday transaction account with a free linked Visa Debit Card for customers over the age of 14. It offers Apple Pay as well as Cardless Cash, which is a feature in the mobile banking app that allows you to withdraw cash from eligible ATMs using your phone without your debit card.

There is no monthly account keeping fee, and no monthly deposit condition to meet either.

You can make free ATM withdrawals at all major bank ATMs here in Australia, and at 50,000+ international ATMs all over the world through the Global ATM Alliance. You can also use the Visa Debit Card overseas in shops and stores just like you would in Australia, but there is a foreign transaction fee of 3% applied to each transaction where a currency conversion is required. So if you travel a lot and prefer to use your debit card to make purchases instead of withdrawing cash, you could save some money with an account that doesn’t charge this fee.

This account offers free staff-assisted transactions, which is great if you like to go into a branch to deposit money or cheques.


  • Monthly fee is waived if minimum deposit of each month is met.
  • Free unlimited transactions in Australia everyday
  • Free withdrawals at 50,000+ ATMs globally
  • Link your account to Apple Pay
  • Withdraw cash without your debit card using Cardless Cash


  • Monthly account fee of $0 if deposit condition isn't met
  • Foreign transaction fee applies
  • $5 fee for overseas ATM withdrawals are outside of the Westpac network

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert

This account comes with a Visa Debit Card that you can use in stores, online or at ATMs all around the world. You'll pay no ATM fees at over 3,000 ATMs in Australia and at over 50,000 ATMs globally.

Enjoy 24/7 access to your account with Internet, phone and mobile banking and make payments with your phone without your debit card using Apple Pay.


Key details

Product Name BankSA Complete Freedom 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


Minimum Age 18
Joint account availability Yes
Minimum opening deposit $1

Key features

Picture not described

$0 monthly account fee

This account doesn't charge any monthly account keeping fees. There is no longer a monthly deposit condition in order to have the account keeping fee waived (this used to be $2000).

Linked Visa Debit card

The BankSA Complete Freedom Account comes with a free Visa Debit card, which you can use online or in-store wherever Visa is accepted all around the world.

How to apply

If after making your comparisons between the BankSA Complete Freedom Account and other banks' transaction accounts you find that this one has all that you need, click 'go to site' to be redirected to a secure application site. Before doing so, check the following to make sure that you are eligible for the account and have the necessary documents handy.


  • Age requirement. All applicants must be at least 18 years of age to be considered for this account.
  • Residency requirement. In order to open a Complete Freedom everyday account you must currently be in Australia with a verifiable Australian residential address.

Your reviews

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jay p

September 30, 2023

Can I withdraw cardless cash from my overseas account via Google pay


Shubham Pandey Finder

October 23, 2023

Hey Jay P,

Thank you for your question.

The BankSA Complete Freedom Account offers a feature called “Cardless Cash” that allows you to withdraw cash from eligible ATMs using your phone without needing your physical debit card.

However, this feature is typically designed for use in Australia, and the availability of Cardless Cash overseas may be limited. (It comes with a 3.00% currency conversion commission, as well as a $5 overseas ATM withdrawal fee at any ATM outside the Global ATM Alliance. )

Note: It’s essential to be aware of any potential fees, currency conversion rates, and ATM accessibility when using Cardless Cash or similar services in a foreign country.

Finder also has a guide on the use of cardless cash that has further details.

I hope this helps.

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