How to access your account    

Accessing the myBOQ app

If you are new to the myBOQ app:

  1. Download the app via the App Store or Google Play.
  2. Open the app, select the Existing Customer this way option, enter the mobile number registered to your BOQ Credit Card. If you need to update your mobile number, please call us. 
  3. Receive and enter the Verification Code sent to your mobile.
  4. Enter your date of birth and postcode.
  5. Create and confirm your new access code.
  6. Review and accept the Terms & Conditions.
  7. (Optional) Enable biometrics for easier login.
  8. Take a short, guided tour to help you understand how to navigate the app. 

If you already use the myBOQ app, simply log in to the app and your BOQ Credit Card should be available. You may be prompted to update your app.

 Access myBOQ Internet Banking:

  1. Select the ‘Log On’ button in the top right-hand corner.
  2. Select 'Log on to Internet Banking' from the menu.
  3. Select myBOQ Login.
  4. Enter the mobile number registered to your BOQ Credit Card. If you need to update your mobile number, please call us.
  5. Receive and enter the Verification Code that’s sent to your mobile number.
  6. Enter your date of birth and postcode.
  7. Create and confirm your new password.
  8. Set your security questions (if you’ve already set them up in the myBOQ app, you’ll be required to answer them instead).

Important:

  • You’ll need the mobile phone number registered to your Account handy to receive the security codes (also known as a One Time PIN or OTP) when logging in to the myBOQ app and myBOQ Internet Banking. If you need to update the mobile phone number you use for this, please contact us.  
  • Any Additional Cardholders will need to login to their own myBOQ experience. Each cardholder will need to have unique contact details to login to their own myBOQ experience. 
  • Shared mobile numbers: If you share a mobile number with someone else, you will be issued with a Log-in ID (via email or post) to be able to register for Internet Banking. If you need to update your mobile number, please call us on 1300 55 72 72.
  • Security questions:
    • If you're logging in via Internet Banking for the first time, you'll be prompted to set up your security questions, unless you've already set them up in the myBOQ app, in which case you'll be asked to answer them. 
    • If you're logging in via the myBOQ app, you'll be prompted to set up your security questions on your second login. If you've already set them up in Internet Banking, you won’t be asked again on mobile.

What to expect

Access your statements securely

  • You’ll receive an email and/or SMS once your next monthly statement is ready to view via the myBOQ app and myBOQ Internet Banking. 
  • Your next statement will include a new Account number, which is your BPAY® customer reference number. Any payments made using your previous BPAY reference number will be processed.  

Q Rewards® Summary

  • If applicable to your Account, you will be able to use the myBOQ App to view your Reward Balance, redeem Reward Points, and track your rewards. Your Reward Balance will no longer appear on your monthly statement. If you don’t have access to your myBOQ app, please call us for assistance.

Important Changes

You can find detailed information about the changes in the Variation Notice we sent to your registered email or mailing address including: 

New Account number

  • You’ll see a new Account number on your next credit card statement. If you make BPAY payments to your credit card, be sure to use the new Account number as your reference number. Your card number will remain unchanged. 

Direct Debit arrangements

  • If you have a direct debit set up to repay your Account, this recurring payment will continue and become known as Autopay. Please read through the FAQs below for information on the changes. 

How to make a payment to your credit card

Using the myBOQ app
  1. Log in to the myBOQ app.
  2. Tap the Pay icon in the bottom menu.
  3. Select Pay a bill.
  4. Choose New biller.
  5. Enter the biller details. You can find these on your most recent credit card statement or in the myBOQ app by navigating to: Profile > Statements and Documents > Credit Card account.
  6. Enter the payment amount and select when you would like the payment to be made.
  7. Tap Confirm and Pay to process the payment.
Using the BOQ Mobile app or internet banking 
  1. Log in to the BOQ Mobile app or Internet Banking.
  2. Tap Transfer and Pay in the top menu.
  3. Select Pay BPAY bill.
  4. Choose the account you would like to make the payment from.
  5. Enter the Biller Code and Customer Reference details. You can find these on your most recent credit card statement.
  6. Enter the payment amount and select when you would like the payment to be made.
  7. Tap Continue to review your payment details.
  8. Confirm your details are correct.
  9. Tap Continue again to process the payment.

Please note: BPAY payments can take up to four business days to appear on your credit card account. However, the payment will be backdated to the date it was processed. For more BPAY FAQs click here

Visit us

Locate a Branch

Find your nearest branch or ATM

 

General enquiries

1300 557 272

Monday – Friday 8am – 8pm AEDT
Saturday 9am – 5pm AEDT

FAQs

  • Can I continue to use my Credit Card?

    Yes. You and any Additional Cardholders can continue to use your physical card(s) and digital wallets as normal. You will not receive a new card unless you or your Additional Cardholder report your current card as lost/stolen or damaged, or your card is due to expire. 

  • Are there changes to my digital wallet?

    If you have not set up your digital wallet, you are able to add your BOQ Credit Card to Apple Pay, Google Pay or Samsung Pay. Any digital wallets already created will continue. 

    There are changes to your Digital Wallet Terms and Conditions. Please refer to  boq.com.au/important-information/terms-and-conditions > Apple PayTM, Google PayTM, Samsung PayTM Terms and Conditions. 

  • How can I add my physical card to my digital wallet?

    Apple Pay

    You can add your card in the myBOQ App (Profile > Manage Cards > Account > add card to digital wallet). 

    Samsung Pay:

    1. Select 'Add Card' in your Samsung Pay app. 
    2. Put your card on a flat surface. Your device will take a photo of your card in the frame on screen to read the card number. Alternatively, you can enter your card number manually. 
    3. Follow the instructions on screen to enter your details. 
    4. Read, understand and accept the SAMSUNG PAY: BANK OF QUEENSLAND CARD TERMS AND CONDITIONS. 
    5. Select SMS or Call Bank option to verify your identity. If you select SMS, BOQ will send you an Online Activation Code (OAC) via SMS that you will need to enter to continue. 
    6. You will be asked to use your finger to enter your signature. Adding the signature will act like signing the back of your physical card. 

    Google Pay

    1. Download the Google Pay App from Google Play or the App Store. 
    2. Select your Google Account to complete the sign-up. 
    3. Swipe over or tap on insights at the bottom of the screen. 
    4. Tap ‘Show all accounts’, ‘Add account’ and then ‘Add payment method’. 
    5. Snap a pic of your BOQ Credit Card or enter the details manually. 

     

  • Can I add a new Additional Cardholder?

    Adding an Additional Cardholder is temporarily unavailable. We will update the website with details when they become available.

  • Are there any impacts to the Additional Cardholders on my Account?
    • Your Additional Cardholder can continue to use their card.  
    • They will need to login to the myBOQ app and myBOQ Internet Banking using a unique mobile number that is registered with us. 
    • Please note: Additional Cardholders can only view their own transactions. They cannot access account statements or see the Primary Cardholder’s transactions.

    For your security, never share your login details with anyone. Doing so may make you liable for any unauthorised transactions on your credit card account.

  • Are there other changes to my Account?
    • Dishonour Fee: We’ve removed the $15 Dishonour Fee. 
    • Annual Additional Cardholder Fee (if applicable to your Account): Card activation by the Additional Cardholder will no longer be required before this fee is charged.  
    • New Additional Cardholders: Effective 24 November 2025, the first fee will be charged when the Additional Cardholder is added, or the Account is first used (whichever is later). The first fee for a new Additional Cardholder may be charged pro rata if conditions are met.  
    • Removal of payments and Cash Advance at BOQ Branch: You can no longer make cash payments, complete transfers or withdrawals to or from your credit card at a BOQ Branch. You can now pay your credit card statement with cash at an Australia Post outlet displaying the Bank@Post symbol which will incur a $2.50 Over-the-Counter Transaction Fee. Other payment options will still be available including BPAY payments from a transaction account and Autopay (Direct Debit). 
    • Removal of PIN Set and Change at BOQ Branch: We’ve removed the option to set or change your PIN at a BOQ Branch. You can now set and change your PIN in the myBOQ app. You will have an alternate option to request a PIN be mailed to you.  
    • Total Cash Limit:  Your Total Cash Limit is the total amount of Cash Advances that can be made on your Account at any time (as a percentage of your Credit Limit). If your Total Cash Limit is less than your Credit Limit, this has been increased to be the same as your Credit Limit. This may increase your liability in the case of Unauthorised Transactions. 
    • Interest Free Days on Retail Purchases:  If you have a Balance Transfer and make the ‘Interest Free Days Payment’ shown on your statement each month, you’ll now be able to benefit from interest free days on Retail Purchases. 

    You can find the updated terms and conditions here

  • How will I receive my statement and other information relating to my Account?

    Statements and information relating to your Account will become available in the myBOQ app and myBOQ Internet Banking where possible.

    If we have your email address and mobile number, we’ll send you an email and/or SMS when your statement is ready to view.

    Please note: You may experience a short delay in accessing some older statements as they become available.

    We need to ensure you continue to receive your statements, notices and other important information, so if you’re currently opted in to receive electronic communications and we don’t have a record of your mobile and email, you will receive Paper Statements. A Paper Statement Fee of $2 may be applicable for each month we issue a paper statement. 

  • Where can I find my statement closing balance?

    You will be able to find the statement closing balance through your myBOQ app. Once logged in, select your credit card account to navigate to the transactions screen. From here your statement closing balance will appear at the top of the screen.

  • How can I view my letters/documents sent to me?

    Documents such as notices or other communications (excluding statements) are temporarily unavailable to view in the myBOQ app. Any documents that we are required to give you will be sent via email or post.

    If you have opted to receive electronic communications, we’ll notify you when the ‘view documents’ functionality is available in the myBOQ app. In the meantime, please ignore any emails you may receive informing you that a document is ready to view in the myBOQ app.

    Please note, you will not be able to view documents in myBOQ Internet Banking.

  • Are there changes to Easi-Pay (direct debits)? 

    Yes. Easi-Pay is now called Autopay and any existing Easi-Pay payments you have set up will continue. If you have selected the ‘Payment Due’ option, this will draw the ‘Minimum Payment Due’ amount shown on your statement, as well as any Overdue or Overlimit amount. Any additional payments received between the statement date and the Payment Due Date won’t reduce the amount drawn.

  • What happens to my Account Number?

    Your Account Number has changed. You’ll see a new Account Number on your next credit card statement. Your new Account Number does not change your credit card number 

  • Have my BPAY details changed?

    If you pay your Account using BPAY, you should update the BPAY reference number to your new Account number that you will find on your next statement. However, if you make a payment using your existing BPAY reference number, your payment will still get processed to your Account. 

  • Are there changes to how I make payments via Online Banking?

    The following features will not be available for BOQ Credit Cards in the myBOQ app and myBOQ Internet Banking: 

    • Pay Anyone to or from your BOQ Credit Card; 
    • Future dated or recurring BPAY payments from your BOQ Credit Card; 
    • Funds Transfers to or from your BOQ Credit Card and another BOQ account you may have. 

    This means that from 24 November 2025, the option to make a repayment online at boq.com.au, which you may see on statements, can only be used to make a repayment via BPAY. 

  • Changes to BOQ Electronic Banking Terms and Conditions

    The BOQ Electronic Banking Terms and Conditions no longer apply to your BOQ Credit Card. Your use of the myBOQ app and myBOQ Internet Banking to manage your credit card Account is governed by your updated Credit Card Terms and Conditions and Other Important Information Booklet.

  • Pending Payments in BOQ Internet Banking:

    Any payments to or from your BOQ Credit Card that appeared in your BOQ Internet Banking under the ‘Pending Payments’  section were cancelled from 21 November 2025. If you had any future dated or recurring payments established and need these payments to continue, you will need to set them up from another account. 

  • How can I make repayments to my BOQ Credit Card Account?

    You can pay your BOQ Credit Card in the following ways: 

    • Make a BPAY payment from any account that allows you to make BPAY payments; or
    • Set up a Direct Debit (Autopay); or 
    • Make a cash payment at an Australia Post outlet with Bank@Post™. A $2.50 fee applies to these payments.  
  • Can I still manage my credit card on the existing BOQ Mobile app or Internet Banking?

    No. You will need to access your credit card Account through the myBOQ app and myBOQ Internet Banking. Any other accounts you have will remain on your existing app and Internet Banking. 

  • Where will I be able to see my Q Rewards® Balance?

    If applicable to your Account, you can view your balance and track your rewards in the myBOQ app. Your Q Rewards Balance will no longer appear on your statement. If you don’t have access to your myBOQ app, please call us for assistance.

  • How do I redeem Q Rewards®?
    1. Select Redeem Q Rewards Points to open the Q Rewards Portal. 
    2. Select the Redeem button next to the transaction you want.

    If applicable to your Account, the rewards you are eligible to redeem, and how you redeem your rewards can be accessed through the myBOQ app. 

  • How was I informed about the change? 
    We shared updates about this change through a series of communications sent to your registered email or mailing address over the past few months, beginning in September 2025. 
  • Where can I find information about the changes?

    You can find the updated Terms and Conditions here

  • How can I share my credit card data using Open Banking?

    You will need register your BOQ Credit Card to the myBOQ app or myBOQ Internet Banking.

    Consent creation will follow the same steps used when creating a consent previously, however, when opting into sharing your credit card data through an Accredited Data Recipient (ADR), you will now need to use your registered mobile number.

    If you still hold other accounts in your existing BOQ Mobile app and Internet Banking, you will be required to create a separate consent for these accounts using your Customer Access Number (CAN). 

    If you need support creating new consent, click here

    View historical data: Your historical data sharing arrangements will not be available in your new myBOQ dashboard in the myBOQ app or myBOQ Internet Banking. If you only hold a credit card, please contact us on 1300 55 72 72 to request your historic data sharing arrangements.

    If you hold transaction, savings or lending accounts that you access through BOQ Internet Banking, your historical data sharing arrangements will be available in your BOQ dashboard by logging in with your Customer Access Number (CAN).