No. The BOQ Security Token will be required as an additional means of authentication if you have selected a Daily limits package with a Pay Anyone limit of $10,000 or greater.

Please Note: All Payments File Upload Facility (PFUF) and International/RTGS payments users must use the BOQ Security Token irrespective of their daily limits.

The limits packages and required authentication method are outlined in the table below:

Pay Anyone daily limit

BPAY daily limit

Authentication method

$2,500

$10,000

$5,000

$20,000

$10,000

$50,000

BOQ Security Token - Application #1

$15,000

$100,000

BOQ Security Token - Application #1

$25,000

$200,000

BOQ Security Token - Application #1

If you are in need of a higher limit please contact your local branch or relationship manager

Please Note: Where you decrease your daily limit to a limit which does not require the use of a token it will be necessary to authenticate the request by entering a One Time Password generated by Application #1 from your token.