BankSA Complete Freedom Account

transaction accountlinked accountstale

Complete Freedom Account is a transaction account from BankSA.

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

No rate rows could be read from the feed for this product.

Conditions

• not updated by the bank since 2026-10-29, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Features

card

Visa Debit Card if you are 14 years old or over and have an Australian residential address. If you're 12 or 13 years old and have an Australian residential address, you can request a Freedom Card in branch. A new Freedom Card is not available unless you already have one linked to your account (e.g. existing Freedom Card holders may order replacement cards and renew their card).

app

yes

PayTo

yes

notifications

yes

transactions

unlimited

wallets

Apple Pay, Beem It, Google Pay, Samsung Pay

Other features, in the bank's words:

• The BeMoved Promotion Terms and Conditions. You could get a minimum 10% electricity saving with One Click Switch. Compare and switch your electricity plan through One Click Switch between 18 June 2026 and 31 May 2028. Savings are calculated using your existing electricity usage from the past 12 months via Consumer Data Right (CDR). If your saving is less than 10%, the difference will be paid as a digital gift card, up to $500. Customers 18 years or older. T&Cs apply. Must already hold a BankSA debit card or credit card to be eligible.
• Fraud Money Back Guarantee: Customers may be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted us promptly
• Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is lost or stolen.
• BankSA has an extensive branch network that provides the complete range of banking services to our customers. Our friendly staff are on hand to help you in any of our branches and over the phone
• My Offers Hub: Access to offers and benefits on popular lifestyle brands just for being an eligible cardholder.
• Statements: We will send statement every 6 monthly, or more frequently on request

Fees, limits and who can open it

monthly fee

$0

other fees named

Foreign Currency Conversion Fee (no amount in the feed)

age

ages 14 and over

open to

personal customers

linked account

a linked or nominated transaction account is required

Who can open it, in the bank's own words:

• residency: Those with an Australian residential address and who are currently in Australia.
• The card must be linked to an eligible BankSA account
• If you are 55 years or over and retired, you may be eligible for a Retirement Access Account. If you have a Concession or Health Care Card you may be eligible for a Concession account.

About this account

An everyday bank account that has all the features to help make managing your day-to-day money a breeze

Data

• BankSA's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 29 October 2026.
• /au/finance/savings-accounts/v1/brands/banksa.json: this bank's accounts and every balance band as JSON; BankSA's page lists them.
• The bank last updated this record on 29 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at BankSA

• Business Access Saver savings account, 0.95% base at $50,000
• Incentive Saver savings account, 5.65% conditional at $50,000
• Maxi Saver savings account, 1.25% base at $50,000
• Retirement Access Account savings account, 1.73% base at $50,000
• Investment Cash Accountsstale cash management account, 0.10% base at $50,000
• Business Cheque Account Plusstale transaction account, 0.00% base at $50,000
• Concession Accountstale transaction account
• Freedom Business Accountstale transaction account, 0.00% base at $50,000
• Society Cheque Accountstale transaction account, 0.00% base at $50,000

All of BankSA's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.