Opening a joint account with BankSA is an excellent way to manage shared expenses, household bills, or savings goals with your partner or family member. Joint access may be available on selected transaction and savings accounts, such as the Complete Freedom or Maxi Saver accounts, subject to current product terms and fees.
The application process can often be completed online, although additional identity verification steps may be required. Below, you will find the exact steps required to apply for a new joint account, along with helpful tips to ensure your application goes smoothly and securely.
Eligible BankSA Joint Accounts
| Account Category | Details |
|---|---|
| Everyday Transaction | Complete Freedom Account (Includes Visa Debit cards) |
| High Interest Savings | Maxi Saver Account (may require a linked transaction account) |
| Reward Savings | Incentive Saver Account |
Step-by-Step Joint Account Application
- Step 1: Visit the official BankSA website and navigate to the Bank Accounts section to select your preferred account, such as the Complete Freedom account.
- Step 2: Click the Open now button to begin the online application form.
- Step 3: When prompted to indicate how many people will own the account, select the Joint account option (usually choosing two applicants).
- Step 4: Enter the personal details, contact information, and employment status for both Applicant 1 and Applicant 2.
- Step 5: Confirm the identity of both applicants using the online verification tool by entering the details from two forms of acceptable ID, such as an Australian Passport, Driver's Licence, or Medicare Card.
- Step 6: Review the account terms, submit your application, and follow any further prompts to register for Internet Banking.
Account Setup Efficiency Hack
Pro-Tip: To speed up the joint account setup, ensure both you and your co-applicant sit down together to complete the application on a single device. Have your passports and driver's licences physically in front of you. This prevents the secure browser session from timing out while waiting for the second applicant to provide their details.
Troubleshooting Common Pain Points
- Failed Online ID Verification: If the online system cannot verify your identity, it is usually due to a name mismatch, such as a maiden name versus a married name. Both applicants will need their Customer Access Number and physical ID documents to complete the Verify in Person step at a local BankSA branch.
- Locked Customer ID: If you are an existing customer adding a joint account and enter your password incorrectly three times, your profile will lock. Click the Forgotten link on the login page to securely reset your credentials via the Secure Code SMS system before continuing the application.
- Browser Errors During Application: If the application page times out or fails to load the next step, your session may have expired for security reasons. Clear your browser cache and cookies, or attempt the application using a Private or Incognito window.
Frequently Asked Questions
Do we both get a debit card for the joint account?
Yes. When you open a joint Complete Freedom transaction account, both applicants will be issued their own individual Visa Debit card linked to the shared account balance. You can activate these cards securely through the BankSA app.
Who can authorize withdrawals from a BankSA joint account?
By default, BankSA joint accounts are set up so that any one of the account holders can authorize transactions, make withdrawals, and use their debit card independently. You can change this operating rule to require both signatures by visiting a branch to sign an authority form.
Are there minimum age requirements for a joint account?
Yes. BankSA requires that all account holders on a joint everyday transaction or savings account must be at least 14 years of age and have an Australian residential address.
