Different cut off times apply depending on what type of transfer you request. The following table will assist you to understand when your transfer will be credited to the nominated To account.

Please Note: When transferring funds to your BOQ credit card, the funds will be available immediately and this will be reflected in the available balance. The table below indicates when the transaction will appear on your credit card statement and be reflected in the balance owing on the credit card.

From Account Type

To Account Type

When was the request made

Credited immediately

Credited next business day

Credited 2nd business day after transaction

Account**

Account**

Any time regardless of whether that day is a business day* or not

Credit Card

Account**

Before 6.30 p.m. (AEST) on a business day*

Credit Card

Account**

On a non-business day* or after 6.30 p.m. (AEST) on a business day*

Account**

Credit Card

Before 6.30 p.m. (AEST) on a business day*

Account**

Credit Card

On a non-business day* or after 6.30 p.m. (AEST) on a business day*

Credit Card

Credit Card

Before 6.30 p.m. (AEST) on a business day*

Credit Card

Credit Card

On a non-business day* or after 6.30 p.m. (AEST) on a business day*

* A business day is defined as any day on which BOQ head office is open for business that is also a day on which banks in Melbourne or Sydney are able to effect settlement through Reserve Bank of Australia.

** Account means a Transaction Account, Savings Account, Investment Account, Loan Account, Line of Credit Account, Business Account, Cheque Account, or another non-credit card account.