Compare personal account features

Use this guide to help choose the right account for you.

Account 

 Day2Day Plus Account® Reverse Charges  Account® 

Mortgage Offset Account 

Pension Plus 

Save To Win AccountTM 

Who can open an account

Personal customers only

Personal customers only

Personal customers only

Personal customers with a Pensioner Concession Card

Personal customers only

Interest

Calculated daily

Yes 

Yes 

Yes 

Yes 

Yes 

Paid monthly

Yes 

 No 

Yes 

Yes 

Yes 

Paid quarterly

 No 

Yes 

No 

No 

No 

Bonus interest paid

No 

 No 

No 

No 

No 

Eligible accounts entered into monthly draws with chances to win cash prizes*

No 

 No 

No 

No 

Yes 

Minimum opening deposit

$1

$1

$1

$500

$1

Deposits

Yes 

Yes 

Yes 

Yes 

Yes 

Withdrawals

Yes 

Yes 

Yes 

Yes 

Yes 

Account Access

In-branch

Yes 

Yes 

Yes 

Yes 

Yes 

Cheque book

Yes 

Yes 

Yes 

Yes 

No 

Bank of Queensland ATM

Yes 

Yes 

Yes 

Yes 

Yes 

Non-Bank of Queensland ATM

Yes 

Yes 

Yes 

Yes 

Yes 

EFTPOS

Yes 

Yes 

Yes 

Yes 

Yes 

Visa Debit

Yes 

 Yes 

Yes 

Yes 

No 

Internet Banking 

Yes 

Yes 

Yes 

Yes 

Yes 

EasyPhone Banking 

Yes 

Yes 

Yes 

Yes 

Yes 

Periodical payments

Yes 

Yes 

Yes 

Yes 

Yes 

Bank@Post

Yes 

Yes 

Yes 

Yes 

Yes 

Extra Features

100% mortgage offset 

No 

No 

Yes 

No 

No 

Personal Overdraft

Yes 

Yes 

No 

No 

No 

Fee Exemptions

Under 18

n/a

Yes 

No 

No 

No 

Students

n/a

Yes 

No 

No 

No 

Home loan customers

n/a

Yes 

No 

No 

No 

* Promotion ends 31 October 2012. Terms and conditions apply.



Products issued by Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616.  This information is for general information purposes only. Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. These may be varied, or new terms and conditions introduced in the future. The content on these pages is for information only and is not an offer by the Bank to provide the products and services. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch or from this website.

BOQ is the promoter of the Save to Win Account promotion (Promotion). The Promotion commences on 1 November, 2011 at 12.01am and ends 11.59pm on 31 October, 2012. There are tax implications of accepting prize payments. Minimum cash prizes are: Major $20,000, Intermediate $25, Minor $5. Prize draws conducted at BOQ, 259 Queen Street, Brisbane. Winners published on boq.com.au/savetowin and notified by mail. Full Promotion terms and conditions available from any BOQ branch. The Promotion is run under trade promotion licenses in SA T11/2027, NSWLTPS/11/9196, VIC 11/2037, and ACT TP11/3920.



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