Answers to the popular FAQs Bank of BankSA in Australia

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BankSA

Support: 13 13 76

SWIFT Code: SGBLAU2S

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Maximum interest rate of 5.15% p.a. consists of a 0.10% p.a. variable base rate and a 5.05% p.a. variable bonus rateTo earn bonus interest, the account balance must remain at $0 or above at all times and grow before the last business day of the monthFor savers aged 21 years and over, the balance must grow by at least $50 during the month (excluding interest payments)For savers under 21 years old, the balance must grow by at least $0.01 during the monthDeposits must be completely settled by 9:59pm Sydney time on the last business day of the month to qualify for the bonus rateIf balance growth conditions are not met, only the base rate of 0.10% p.a. applies for that monthSpecial bundle offer: Receive a $50 cash bonus when opening a new Complete Freedom transaction account alongside this savings account by 8 June 2026 and depositing at least $50 within 10 daysProtected by the Australian Government Financial Claims Scheme up to $250,000 per account holder

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Personal transaction accounts

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Designed specifically for young adults and tertiary students$50 cashback bonus requires opening a Complete Freedom account and an eligible savings account under the same nameCashback bonus eligibility is restricted to new account holders who have not held a BankSA Complete Freedom or savings account in the past 2 yearsMust deposit $50 or more into the Complete Freedom account within 10 days of openingVisa Debit card is available for applicants aged 14 years and overIncludes access to mobile features such as Spend Tracker, low balance alerts, instant Card Lock, and realtime payments via the Beem It appProvides exclusive benefits on lifestyle brands via My Offers Hub

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Business Solutions

Business accounts

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Designed specifically for solicitors, real estate agents, collection agents (QLD), conveyancers, and settlement agents (WA) to hold client funds in trustIncludes a monthly allowance of 5 feefree transactions and 5 feefree cheque depositsAll credit interest earned is paid directly to the relevant statutory bodies in each state or territory rather than the account holderApplicants and all signatories must be 18 years or over, operating in Australia with an Australian addressMust be a member of a professional association and legally required to maintain a trust accountRequires an active, separate eligible BankSA business transaction account to cover operational fees and charges

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Business credit cards

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Personal liability business credit card designed for corporate and expense management.Up to 55 days interestfree on purchases when paying the full Closing Balance on time.Features uncapped reward points with two options: Amplify Rewards or Qantas Points.Earn rates for Amplify Rewards: 2 points overseas, 1 point domestic, 0.5 points government payments per dollar spent.Earn rates for Qantas Points: 1 point overseas, 0.5 points domestic, 0.25 points government payments per dollar spent.Includes simplified tax reporting with direct data export into MYOB, BAS, or Excel format.Complimentary insurance coverage including Transit Accident Insurance and Unauthorised Transaction Insurance.

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Business savings

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Offers standard fixed interest rates ranging from 1.40% p.a. up to 5.00% p.a. depending on the chosen term lengthSpecial promotional offer provides 5.35% p.a. for a 12month term on balances between $1,000 and $2,000,000A 5.10% p.a. fixed rate is featured for an 8month term on eligible balancesAn extra 0.10% p.a. online bonus is added to the rates for existing BankSA customers who open or renew their deposit onlineInterest payment frequency options include at maturity, monthly, halfyearly, or annuallyRequires a minimum 31 days notice to access funds prior to maturity, resulting in no immediate access to locked capitalApplicants must be 18 years or older, existing BankSA banking customers, and operating in Australia with an Australian addressOnline application and online bonus rates are restricted to personal customers and sole traders only

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BankSA

Video Guides

Bank's Services and Products

Personal Banking

Personal savings accounts

Personal transaction accounts

Business Solutions

Business accounts

Business credit cards

Business savings

Find bank, branch or ATM