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About Bank SA? Why Bank SA?

LoansHome Loans First Home Owners Personal Loans

Credit Cards Low Interest card Gold Low rate Platinum Card InsuranceCar Insurance Travel Insurance Home and Contents

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BankSA is the largest financial institution in South Australia and the State’s main provider of housing, personal finance and rural banking services. The Bank also plays a key role in the community as a sponsor of major State events and through the BankSA & Staff Charitable Fund, makes donations to approximately 100 South Australian and Northern Territory-based charities each year.

At BankSA, we genuinely are closer to South Australians and we remain committed to supporting the community and growing the business locally.

The quality of service we provide and the positive attitude of our staff, combined with the goodwill and loyalty we receive from our customers, really does set BankSA apart from its competitors.

Our ongoing commitment to our customers We are dedicated to maintaining our focus on customer service by providing the largest network of branches and ATMs across South Australia.

For us, customer service is about exceeding service expectations and this is exactly what you’ll fi nd at BankSA. It’s a pretty simple formula that we work hard to maintain and it’s fundamental to what makes BankSA unique.

We care about the community At BankSA, we have a history of supporting local organisations and initiatives through community sponsorship, volunteering and other fi nancial assistance. This reaffi rms our commitment to the community, which we’re an important part of.

Why Choose Us?

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Home Loans

Whether you’re buying your first home or next home, building or renovating, investing or refinancing, we’ve got a loan that’s just right for you.

BankSA has been awarded Australia’s Home Lender of the Year by Money magazine 2010. While that’s good news for us, it’s great news for you, because leading financial experts have now done all the hard work of finding you the best place to go for a home loan.

Loans

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First Home Owners

Take the first step and buy your first home today!

Buying your first home is exciting, but can also be a bit daunting. Don’t be discouraged by the challenge. Our experienced lenders provide personalised service to guide you through each step and into your first home.

What do you need? The BankSA solutionnYou want flexibility with a full range of features Standard Variable RateYou want to create wealth to secure your future Portfolio LoanYou need a straightforward, easy-to-use home loan

Basic Home Loan

You want to budget for the future with confidence

Fixed Rate Home Loan

You want a home loan but are having trouble providing documented proof of income

Low Doc Home Loan

You need help managing the initial costs of buying your first home

Great Start Home Loan

You want an all-in-one package that offers savings on your home loan, credit card and transaction accounts

Advantage Package

How much can you borrow?

The amount you could borrow depends on your income, financial commitments (such as credit cards and personal loans), living expenses, credit history, and savings record. Find out exactly how much you can borrow using our borrowing power calculator on our website.

First Home Owner Grant

You may qualify for the $7,000 First Home Owner Grant. And there’s no need to go to the State Revenue Office to apply for it - we can lodge your application for the First Home Owner Grant directly with them on your behalf when you apply for a home loan with us.

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Get the car you want today! with a Secured Personal Loan

Planning to buy, upgrade or refinance your car? Reach your goals sooner with a low interest Secured Personal Loan.

Enjoy a lower interest rate

Flexible repayment options

Convenient redraw facility

Personal Loans

The loan

Interest type

Loan term

Loan amount

Choose a fixed or variable interest rate

Choose a term from 1 to 7 years

Borrow from $3,000 up to $80,000

Repayments

Frequency Choose to repay weekly, fortnightly or monthly

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More Key Features

Redraw Facility

Internet Banking

Loan Protection

Get access to any extra payments you make with a convenient redraw facility (available on variable interest rate loans only)

Track and manage your loan repayments using Internet Banking.

Switch to eStatements and stop receiving paper statements. You can also view, print and save at least 2 years of statements online.

Protect your loan with Consumer Credit Insurance

Fees

Establishment Fee

Administration Fee

One time fee of $195

Flat Monthly admin fee of $7

How to Apply

Apply Online www.banksa.com.au Apply over the phone on 13 13 76 Visit a branch

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Low Interest Credit card

2.99% p.a. on purchases for the fi rst 6 months

2.99% p.a. on balance transfers for up to 6 months. Calculate how much you could save with our Balance Transfer calculator.

A low ongoing variable interest rate on purchases - currently 11.99% p.a.

Low Interest Credit card

2.99% p.a. on purchases for the fi rst 6 months

2.99% p.a. on balance transfers for up to 6 months. Calculate how much you could save with our Balance

A low ongoing variable interest rate on purchases

If you love to shop!

This lower interest rate credit card may be just for you. For a limited time, a new Vertigo MasterCard comes with a low 2.99% p.a. on purchases for the fi rst 6 months from when the account is opened.

Once the promotional period is over, the Vertigo MasterCard then reverts to one of Australia’s lowest variable rates on purchases - currently just 11.99% p.a. (20.74% p.a. variable rate on cash advances).

You could save even more on interest by transferring a balance from a non-BankSA card to your Vertigo MasterCard and receive 2.99% p.a. on balance transfers for up to 6 months

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Features

Interest Rate

Annual Card Fee

Star Rating

Rewards

Other Features

2.99% p.a. fi xed rate on purchases for the fi rst 6 months from when your account is opened. Then reverting to 11.99% p.a. variable purchase rate.

20.74% p.a. variable rate on cash advances

2.99% p.a. on balance transfers for up to 6 months from when your account is opened

$55 annual fee

Cannex 5 star rated credit card

Instant discounts and added extras with BankSA Instant Benefi ts

Up to 55 days interest free on purchasesAdditional card for a friend or family member at no extra cost

Linked access to your BankSA accountsCredit limit starting at $500

Switch to eStatements and stop receiving paper statements. You can also view, print and save at least 2 years of statements online

Features

Interest Rate

Annual Card Fee

Star Rating

Rewards

Other Features

Annual Card Fee

Credit C

ards

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Gold Low Rate Credit Card

Get the best of both worlds.

This low interest rate credit card (just 15.24% p.a. on purchases) also delivers gold card benefits including shopping and overseas travel insurances.

Free Insurance

Overseas travel insurance

Transit accident insurance

Purchase cover insurance

Extended warranty insurance

15.24% p.a. on purchases

Up to 55 days interest free on purchases

Complimentary overseas travel insurance when you purchase a trip on your card

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Features

Interest Rate

Annual Card Fee

Star Rating

Rewards

Other Features

15.24% p.a. on purchases with up to 55 days interest free

19.24% p.a. on cash advances

$79 annual fee

Cannex 4 star rated credit card

Instant discounts and added extras with BankSA Instant Benefi ts

Up to 3 free additional cards for your friends or family members

Linked access to your BankSA accounts

Higher credit limit starting at $5000

Switch to eStatements and stop receiving paper statements. You can also view, print and save at least 2 years of statements online

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Platinum Credit Card

The ultimate for shopping and travel card

Platinum is a low interest credit card delivering great value and premium benefits. In addition to a low 15.24% p.a. rate on purchases, Platinum makes life a little easier with access to your own 24x7 Personal Concierge Service as well as a range of complimentary shopping and travel insurances.

15.24% p.a. on purchases

3.99% p.a. balance transfer rate for up to 6 months

Low Platinum annual fee of $89

Free, comprehensive shopping and travel insurances

24 x 7 Personal Concierge Service

Free Insurance

Overseas travel insurance

Domestic flight inconvenience insurance

Transit accident insurance

Purchase cover insurance

Extended warranty insurance

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Features

Interest Rate

Annual Card Fee

Star Rating

Rewards

Other Features

15.24% p.a. on purchases with up to 55 days interest free

20.74% p.a. on cash advances

3.99% p.a. balance transfer rate for up to 6 months from when your card is approved

$89 annual fee

Cannex 4 star rated credit card

Instant discounts and added extras with BankSA Instant Benefi ts

Up to 3 free additional cards for your friends or family members

Linked access to your other BankSA accountsHigher credit limits - starting from $8,000

Switch to eStatements and stop receiving paper statements. You can also view, print and save at least 2 years of statements online

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We can provide you with a choice of car insurance covers simply by calling BankSA on (08) 8424 5250. An outline of the covers available are noted below. Our Customer Service Officers are available to assist you during business hrs 9am to 5pm Monday to Friday.

Depending on the level of protection you need you can choose from the following:

Comprehensive Own Damage (insuring your vehicle for its market value)

Third Party Property Damage Only

Third Party Property, Fire and Theft

A No-Claim Bonus is awarded to drivers who haven’t lodged a claim. Even if you do lodge a claim, when the accident wasn’t your fault and you can identify the other party, you won’t lose yourNo-Claim Bonus, and you won’t have to pay any Excess.

No paperwork, claims are completed over the phone for CGU recognised repairers.

Windscreen cover includes all glass and there is no excess if this is the only damage.

Car Insurance

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Travel Insurance

Protection whilst you are relaxing

Every person’s ideal holiday is different. For some it might be exploring the ancient history of a foreign country, for others it could be searching for the perfect wave on a remote tropical island and for others it might be sitting by a pool and reading a good book. No matter what the perfect holiday is BankSA has the Travel Insurance solution for you.

24 hour access to one of the world’s largest medical as sistance providers

Overseas medical, dental and additional expenses

Option to apply for additional coverage for pre-existing medical conditions

Hire car excess waiver, cover for excess you are liable for under the hire car agreement

Protection if you have to cancel your holiday or cut your trip short due to unforeseen circumstances

Range of plan options you can select to cover your valued possessions

And you will receive a 20% discount on the insurer’s standard rates.

Insurance

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Whether you’re a home owner, a tenant, or have a weekender/holiday home, our Residential Home and Contents Insurance offers you a range of ways to help you protect what it is you cherish about your home.

There are three levels of cover to choose from for your building and/or contents:

Essential Care – a basic level of cover to protect your building and/or contents against loss or damage

Quality Care – covers your building and/or contents against loss or damage from a wider range of events, with additional benefits and higher limits of cover for your valuables.

Premier Care – includes all the benefits of Quality Care with the extra protection of cover for accidental loss or damage anywhere in Australia, with more benefits and even higher limits of cover for your valuables.

Optional Personal Valuables cover: You can also choose additional protection for items like jewellery, sporting equipment and portable electronic devices anywhere in the world for up to 90 days from the date of departure from Australia.

Compare the key benefits of the policy options to find which one’s right for you.

home and contents insurance

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Key Benefi ts EssentialCare Quality Care Premier CareFire, storm, fl ood, cyclone, burglary and malicious acts

Yes Yes Yes

Electrical motor burnout No Motors up to 15 years Motors up to 15 yearsAccidental breakage of glass No Yes YesAccidental loss or damage No No YesCover for jewellery and watches Up to $500 per item /

$3,000 in totalUp to $1,000 per item / $5,000 in total

Up to $2,000 per item / $10,000 in total

Cover for artwork, collections and collectibles

Up to $3,000 Up to $10,000 Up to $20,000

Australia-wide cover for contents under accidental loss

No No Yes

Cash, cheques and money orders No Up to $750 Up to $1,250Legal liability cover $20 million $20 million $20 millionPay by the month at no extra cost Yes Yes Yes

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