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Interest rates are variable rates and are subject to change at any time without notice.

Fees may apply for transactions through other Bank ATMs and International Transactions using your Visa Debit card or credit card to access your account.

There is no fee charged by us for performing a BPAY® Payment, Pay Anyone or making a Card transaction. Merchants may charge a fee in respect of card transactions which should be advised to you at the time of making the transaction.

Round Ups are transfers that you can choose to activate on your Everyday Account(s). When you enable this feature on your Everyday Account, funds are transferred to your nominated savings account each time you make a card transaction. The amount of the transfer will be up to the nearest $1 of the amount that the transaction takes place. Round Up transactions will not take place if your account would be overdrawn by making the transaction. Each Round Up transfer will be done when a transaction is processed as pending on your account. As some transactions may occur offline, the Round Up transfer will only take place when the transaction information is received. Pending transactions could also potentially not be debited by the merchant; in that case the round-up will not be reversed. You can disable the Round Up feature through the myBOQ app at any time.

A Bonus Interest variable rate will only be paid each calendar month when you deposit a minimum of $1,000 to your linked Everyday Account from an External Account AND you make at least 5 direct debit transactions, ATM withdrawals, BPAY payments, or purchases of goods or services from a Merchant using your eftpos Card or BOQ Visa Debit Card linked to an Everyday Account in the previous calendar month. Transactions that are pending do not count as a transaction for the previous calendar month and will be counted in the following calendar month. If you don’t meet the bonus interest conditions, you will only receive the variable base interest rate.

Under the Australian Government’s Financial Claims Scheme (FCS), certain deposits are protected up to a limit of $250,000 for each account holder at BOQ. The FCS limit of $250,000 applies to the total sum of all BOQ bank accounts, including accounts you hold with BOQ, ME Bank, Virgin Money Australia and BOQ Specialist. Please visit this website for further information on the institutions and types of accounts covered.

The Future Saver Account will automatically convert to a Smart Saver Account on your 36th Birthday.

Apple Pay is a trademark of Apple Inc., registered in the U.S and other countries. You should consider the Apple Pay Terms and Conditions before deciding if this product is appropriate for you.

Samsung Pay is a trademark of Samsung Electronics Co. Ltd. You should consider the Samsung Pay Terms and Conditions before deciding if this product is appropriate for you.

Google Pay is a trademark of Google LLC. You should consider the Google Pay Terms and Conditions before deciding if this product is appropriate for you.

Rate includes additional interest rate of 0.10% p.a. which will be paid for 4 months from account opening date - to any new customers who open a WebSavings Account® on or after 8 December 2021. Additional interest only applies to account balances of $2,000 or more and is not available to existing customers whether or not they hold a WebSavings Account®. After 4 months from the account opening date, the interest rate will revert to the standard WebSavings Account® variable interest rate.

A Bonus Interest variable rate will be paid in addition to the Base Rate if no more than one (1) withdrawal is made during a calendar month.

A Bonus Interest variable rate will be paid in addition to the Base Rate if no more than one (1) withdrawal is made during a calendar month.

Rate includes additional interest rate of {boq-banking-rates||ws3||rate}% p.a. which will be paid for 4 months from account opening date - to any new customers who open a WebSavings Account® on or after 8 December 2021. Additional interest only applies to account balances of $2,000 or more and is not available to existing customers whether or not they hold a WebSavings Account. After 4 months from the account opening date, the interest rate will revert to the standard WebSavings Account variable interest rate.

Balances greater than $5,000,000 held in the same name are subject to approval.

Interest rate is variable. For eligible new accounts, an introductory promotional interest rate is added to the standard variable rate for the first 4 months from account opening, on balances up to $5 million.

This offer is available to new accounts that are opened on or after 27 March 2026. After the 4‑month introductory period ends, the standard variable rate only will apply.