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The variable Base Rate always applies in the first month after opening an account. In the first month, bonus interest criteria. on the transaction account is measured from the time the Saver Account is opened, not the full calendar month even if the transaction account was already existing. Interest is calculated on a stepped basis and paid monthly on the first day of the following month. If bonus interest criteria conditions are not met the variable Base Rate only will apply.

Conditions, Criteria and Fees Apply. 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. Full terms and conditions are available online or at any Bank of Queensland branch.

For Target Market Determinations please refer to the TMD page here