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FAQs Frequently Asked Questions

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  • Who is Credit Union SA?

    Credit Union SA is South Australia's third largest credit union, with $1 billion in assets and over 50,000 members.

    As a customer owned banking organisation, we are not driven by the need to return dividends to shareholders in the manner of the major banks. As a result, we're able to channel the profits we generate back to our membership and broader community.

    This is achieved in the form of innovative new products and services, low fees, great interest rates, high levels of personal service, and community development initiatives and project funding.

    Credit Union SA was formed on 1 October 2009 by a merger between former South Australian credit unions Satisfac and Powerstate, which had their origins in the education and industrial sectors respectively. Both organisations were renowned for their local knowledge.

  • How can I contact Credit Union SA?

    Visit or call us

    Visit 400 King William Street, Adelaide or call us (08) 8202 7777 to discuss loans, credit cards, savings accounts or any of our other services. You can speak to a member of our friendly team quickly and easily, six days a week. If you have your Access Code we can help you quickly and efficiently, but if you don’t have one that’s fine – give us a call and we can help with your enquiries.

    400 King William Street, Adelaide opening hours


    General enquiries

    •  08 8211 9457 in Australia
    • +61 8 8211 9457 overseas
    Write to us
    Customer Relations
    Credit Union SA
    GPO Box 699
    Adelaide SA 5001
  • What do I need to be ready to make and receive faster payments?

    1. You’ll need to be registered for Internet Bankingvisit us at 400 King William Street, Adelaide or call us on (08) 8202 7777 to register.
    2. Make sure your mobile phone number and email address are up to date.
    3. Use Internet Banking or our Mobile Banking App to make faster payments using BSB and account numbers, or a registered PayID.
  • Is the NPP safe?

    Yes. Protecting our members' funds is of paramount importance to Credit Union SA. Payments made through the NPP enjoy the same high levels of security which Credit Union SA is renowned for. Some of the protections in place include:

    Two-factor Authentication (2FA) Two-factor Authentication is a process which adds another layer of security to your transactions. A unique code will be sent to your phone, or can be read from a VIP token, then entered into the relevant space where requested. Read more about Two-factor Authentication on the Stay Smart Online website.
    24/7 Fraud Monitoring Credit Union SA will ensure that all NPP transactions are monitored 24/7. You will be contacted if we suspect you have been the victim of fraud.
  • I am heading overseas – any tips?

    • Let us know where you are heading and how long for using your Mobile Banking App or Internet Banking.
    • Organise some foreign currency you may need for your trip. You can buy foreign cash from 400 King William Street, Adelaide and over the phone and use your Credit Union SA Visa Debit Card overseas.
    • Memorise your PIN – this is the same PIN you use at home and is used in the same way at ATMs and in some countries, over-the-counter.
    • Check the expiry date on all of your cards and ensure they are valid for the duration of your trip.
    • Photocopy your Visa Debit Card and passport, but keep the photocopies separate as proof of information.
    • If you are unsure of the security of an ATM please don't use it. A Visa cash advance can be done at any financial institution that displays the VISA symbol. You will need to take your card and passport as proof of ID.
    • You can also turn international purchases off at any time using Internet Banking or your Mobile Banking App (for extra security). Plus, you can turn off domestic purchases and ATM withdrawals – which is a good idea if you’re travelling overseas.
    • For the latest travel updates and information, visit
  • How do I arrange for a direct credit?

    You need to provide the sending party with Credit Union SA's BSB 805-007 and your preferred Account Number and Account Name. Once you have done that, it’s up to the payer to set up transfers to your specified account.

  • How can I set up an automatic transfer?

    Auto transfers are a simple and easy way to make regular payments, providing you with full control over how and when those payments are made.

    They are regular transfers set up from your account to either a third party account, a BPAY biller, or another account of your own within Credit Union SA or at another financial institution. You can program the payments to occur weekly, fortnightly, monthly or quarterly for an indefinite or set number of occurrences. You have full control over how much is being sent, how often, to whom and when to stop the payments from being made.

  • How do I cancel a direct debit payment from my account?

    If you wish to stop a direct debit that you previously authorised for a third party supplier to deduct payments from your account, you can contact the supplier directly to request a cancellation or you can request us to contact the supplier and cancel the payment on your behalf. If you request us to stop the payment you must contact us at least five business days before the next payment is due and we recommend you also contact the supplier to avoid any fees that the supplier may charge you as a result of the direct debit being dishonoured. Refer to Section 20 of Deposit Accounts and Access Services Terms and Conditions.

  • What if the direct debit doesn’t go through or the wrong amount is debited?

    A direct debit is an arrangement that you make directly with the third party – authorising them to take money out of your account – so any disputes in relation to the direct debit needs to be discussed with them directly. Of course if you are having problems in getting it sorted out, we’d be happy to assist you.

  • I think I may have been caught by a scam, what should I do?

    Protecting our members' funds is of paramount importance to us and we are constantly developing and taking steps to keep it that way. If you suspect the security of your accounts may be compromised, do not hesitate to contact us on (08) 8202 7777 during business hours.