BankSA Complete Freedom Account

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 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.


Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameBankSA Complete Freedom Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

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.


Receive a $40 cash bonus when you open a new BankSA Complete Freedom account online by 31 March 2022 and deposit $500 within 30 days of opening the account. You must also make sure the account remains open for at least 50 days from the date of account opening. New account holders only. T&Cs apply.

Key features

$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.

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