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BankSA rates
BankSA publishes 26 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
BankSA's lowest home loan rate is 6.54% on Basic Variable Home Loan, 0.20 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 5.39% on Incentive Saver, 1.39 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. BankSA repriced 10 products in the last 30 days, most recently lifting Maxi Saver on 9 October 2026, from 3.65% to 3.90%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Basic Variable Home Loan | 6.54% | 6.55% |
| Variable Home Loan with Offset | 6.64% | 7.01% |
| Fixed Rate Home Loan | 6.74% | 7.02% |
| Relocation Loan with end | 9.54% | 9.36% |
| Relocation Loan without end | 9.54% | 9.36% |
Savings accounts
| Product | Advertised rate |
|---|---|
| Incentive Saver | 5.39% |
| Maxi Saver | 3.90% |
| Business Access Saver | 1.45% |
Term deposits
| Product | Advertised rate |
|---|---|
| Business Term Deposit | 5.40% |
| Term Deposit | 5.40% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Farm Management Deposit Account | 4.75% |
| Retirement Access Account | 2.90% |
| Investment Cash Accounts | 0.10% |
Credit cards
| Product | Advertised rate |
|---|---|
| Visa Business | 9.99% |
| Vertigo | 13.99% |
| Amplify Business | 19.49% |
| Amplify Qantas Platinum | 23.98% |
| Amplify Qantas Signature | 23.98% |
| Amplify Rewards Platinum | 23.98% |
| Amplify Rewards Signature | 23.98% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Secured Fixed Personal Loan | 6.49% | 7.90% |
| Unsecured Fixed Personal Loan | 7.00% | 8.41% |
| Unsecured Variable Personal Loan | 7.00% | 8.41% |
Business loans
| Product | Advertised rate |
|---|---|
| Variable Rate Small Business Loan | 9.48% |
Overdrafts
| Product | Advertised rate |
|---|---|
| Commercial Overdraft | 10.06% |
| Commercial Unsecured Overdraft | 10.06% |
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