BankSA
Every product BankSA publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Bank of Melbourne, St.George Bank and Westpac under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 233714, held by Westpac Banking Corporation; credit licence since 1 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
40 products in 8 categories
BankSA's rates today
BankSA's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where BankSA sits among every institution's best
| Rate | BankSA | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.64%Basic Variable Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.04%Fixed Rate Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.40%Incentive Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 6.49%Secured Fixed Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 13.99%Vertigo | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.55%Business Access Saver | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business 12-month term depositBest rate for a 12-month term | 5.40%Business Term Deposit | 5.70%AMP Bank GO 12 Month Business Term Deposit | 5.30%of 17 institutions |
| Business overdraftLowest advertised rate; most are variable | 10.06%Commercial Overdraft | 8.24%IMB Bank's Commercial Credit line | 10.06%of 12 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 9.48%Variable Rate Small Business Loan | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 9.99%VISA Business | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
BankSA home loan repayments
Repayments at BankSA's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBasic Variable Home Loan6.64%6.65% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- 1-year fixedFixed Rate Home Loan6.84%7.12% comparison$3,928a month
$813,918 in interest, $1,413,918 repaid in all
- 2-year fixedFixed Rate Home Loan6.84%7.13% comparison$3,928a month
$813,918 in interest, $1,413,918 repaid in all
- 3-year fixedFixed Rate Home Loan7.04%7.20% comparison$4,008a month
$842,861 in interest, $1,442,861 repaid in all
- 5-year fixedFixed Rate Home Loan7.24%7.34% comparison$4,089a month
$872,036 in interest, $1,472,036 repaid in all
- Investor variableBasic Variable Home Loan6.89%6.90% comparison$3,948a month
$821,132 in interest, $1,421,132 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not BankSA's own calculator: confirm the rate with BankSA before you apply.
BankSA home loan rates
Compare across banks5 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.64%, with a comparison rate of 6.65%, on its Basic Variable Home Loan: 77th lowest of 104 lenders, level with 4 others.
- Basic Variable Home Loan
- Variable (owner occ. P&I)
- 6.54%, 6.55% comparison
- Variable (investor P&I)
- 6.79%
- Max LVR
- 95%
- Fixed Rate Home Loan
- Fixed
- 1 yr 6.74%, 2 yrs 6.74%, 3 yrs 6.94%, 4 yrs 7.09%, 5 yrs 7.14%
- Max LVR
- 95%
- Annual fee
- $395
- Relocation Loan with end
- Max LVR
- 80%
- Annual fee
- $96
- Features
- extra repayments
- Relocation Loan without end
- Max LVR
- 80%
- Annual fee
- $96
- Features
- extra repayments
- Variable Home Loan with Offset
- Variable (owner occ. P&I)
- 6.64%, 7.01% comparison
- Variable (investor P&I)
- 6.84%
- Max LVR
- 95%
BankSA savings and transaction account rates
Compare across banks13 products
Its highest savings rate is up to 5.40% (0.01% base plus a 5.39% bonus when its conditions are met), on its Incentive Saver: 10th highest of 84 institutions, level with 2 others.
- Business Access Saver
- Base rate
- 0.55%
- Monthly fee
- $0
- Business Cheque Account Plus
- Base rate
- 0.00%
- Monthly fee
- $20
- Complete Freedom Account
- Monthly fee
- $0
- Concession Account
- Monthly fee
- $0
- Farm Management Deposit Account
- Base rate
- 1.25%
- Monthly fee
- $0
- Foreign Currency Account
- Pricing
- Rates on application
- Freedom Business Account
- Base rate
- 0.00%
- Monthly fee
- $10
- Incentive Saver
- Base rate
- 0.01%
- Bonus rate
- 5.39%
- Up to
- 5.40%
- Investment Cash Accounts
- Base rate
- 0.10%
- Monthly fee
- $0
- Maxi Saver
- Base rate
- 1.25%
- Bonus rate
- 0.45%
- Up to
- 1.70%
- Retirement Access Account
- Base rate
- 0.05%
- Monthly fee
- $0
- Society Cheque Account
- Base rate
- 0.00%
- Monthly fee
- $0
- Statutory Trust Account
- Pricing
- Rates on application
- Monthly fee
- $6
BankSA credit card rates
Compare across banks7 products
Its lowest credit card purchase rate is 13.99%, on its Vertigo: 35th lowest of 51 card issuers, level with 5 others.
- Amplify Business
- Purchase rate
- 19.49%
- Cash advance
- 20.24%
- Interest-free days
- 55
- Amplify Qantas Platinum
- Purchase rate
- 23.98%
- Cash advance
- 23.99%
- Interest-free days
- 45
- Amplify Qantas Signature
- Purchase rate
- 23.98%
- Cash advance
- 23.99%
- Interest-free days
- 45
- Amplify Rewards Platinum
- Purchase rate
- 23.98%
- Cash advance
- 23.99%
- Interest-free days
- 45
- Amplify Rewards Signature
- Purchase rate
- 23.98%
- Cash advance
- 23.99%
- Interest-free days
- 45
- Vertigo
- Purchase rate
- 13.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- VISA Business
- Purchase rate
- 9.99%
- Cash advance
- 17.15%
- Interest-free days
- 55
BankSA personal loan rates
Compare across banks3 products
Its lowest advertised personal loan rate is 6.49% fixed, with a comparison rate of 7.90%, on its Secured Fixed Personal Loan: 18th lowest of 69 lenders, level with 6 others.
- Secured Fixed Personal Loan
- Fixed
- 6.49%, 7.90% comparison
- Loan size
- $10,000 to $130,000
- Upfront fee
- $250
- Unsecured Fixed Personal Loan
- Fixed
- 7.00%, 8.41% comparison
- Loan size
- $2,000 to $50,000
- Upfront fee
- $250
- Unsecured Variable Personal Loan
- Variable
- 7.00%, 8.41% comparison
- Loan size
- $2,000 to $50,000
- Upfront fee
- $250
BankSA business loan rates
Compare across banks6 products
Its lowest advertised business loan rate is 9.48% variable, on its Variable Rate Small Business Loan: 40th lowest of 49 lenders, level with 2 others.
- Bank Bill Business Loan
- Pricing
- Rates on application
- Loan size
- $250,000 to no maximum
- Monthly fee
- $40
- Construction Loan
- Pricing
- Rates on application
- Monthly fee
- $35
- Fixed Rate Small Business Loan
- Pricing
- Rates on application
- Loan size
- $20,000 to no maximum
- Goods Loan
- Pricing
- Rates on application
- Loan size
- $15,000 to no maximum
- Upfront fee
- $500
- Hire Purchase
- Pricing
- Rates on application
- Loan size
- $15,000 to no maximum
- Upfront fee
- $500
- Variable Rate Small Business Loan
- Variable
- 9.48%
- Loan size
- $20,000 to no maximum
BankSA overdraft rates
Compare across banks2 products
Its lowest advertised overdraft rate is 10.06% variable, on its Commercial Overdraft: 14th lowest of 23 lenders, level with 2 others.
Has BankSA passed on the RBA's November 2026 rate rise?
BankSA hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Sat 10 Oct
BankSA lifted 8 savings rates by 0.10 to 0.15 percentage points.
0.10 to 0.15
Fri 9 Oct
BankSA lifted 15 variable home loan rates by 0.25 percentage points.
0.25- Basic Variable Home Loan (11 rates)
- Relocation Loan with end (2 rates)
- Relocation Loan without end (2 rates)
BankSA lifted 11 savings rates by 0.25 percentage points.
0.25- Incentive Saver (6 rates)
- Maxi Saver (2 rates)
- Retirement Access Account (3 rates)
Tue 22 Sep
BankSA cut 8 savings rates by 0.35 percentage points.
0.35
Published by BankSA under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.