Ultimate Bank Account

This information is provided for existing account holders only.


Features and benefits

  • easy access to your money– in-branch, ATM, Internet Banking, EasyPhone banking, EFTPOS, cheque book, BPAY and Bank@Post
  • ten free Internet Banking and ten free EasyPhone Banking funds transfers each month (including BPAY payments)
  • free balance enquiries at our ATMs and from Internet Banking or EasyPhone Banking
  • free cheque books
  • regular statements
  • transfer orders are free to any other BOQ accounts
  • fee exemptions for children, students and home loan customers


More Ultimate Bank Account features and benefits

When you have a minimum monthly balance of $1,000 

  • your Ultimate Bank Account attracts no monthly account maintenance fees
  • you’ll receive unlimited free teller withdrawals each month at any BOQ branch
  • 15 free BOQ ATM or EFTPOS withdrawals/transfers each month
  • two free cheques written each month

With a minimum monthly balance below $1,000 

  • $5 monthly account maintenance fee applies to your Ultimate Bank Account
  • you’ll receive two free teller withdrawals each month at any BOQ branch
  • three free BOQ ATM or EFTPOS withdrawals/transfers each month
  • two free cheques written each month

Flexible overdraft facility

No longer available for sale on an Ultimate Bank Account   

Interest rates

Interest is calculated daily and paid quarterly. The current rates applicable to this account are available on the Today's rates page.

Fees and charges

For information on fees applicable to this product, please refer to the Personal Banking Guide to Fees and Charges 



Important information

Please view the terms and conditions listed below on the Terms and Conditions page:


  • Personal Banking Guide to Fees and Charges
  • Deposit Products Terms and Conditions 

Information current as at [*DATE*].


Products issued by Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616 (BOQ). Fees and charges are payable. Full terms and conditions are available at any BOQ branch. BOQ's standard credit assessment criteria apply to overdraft products.  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 terms and conditions, Financial Services Guide 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 BOQ branch or from this website. This information is for general information purposes only. These rates are subject to change at any time. Details of our current rates may be obtained at any BOQ branch, or by contacting BOQ's Customer Contact Centre.