These pages contain frequently asked questions regarding our Online Application facility. We will continually update these pages when new information needs to be highlighted. 

If your question was not answered by this FAQ or you have other questions regarding BOQ online applications, please contact our Customer Contact Centre on 1300 55 72 72  (+617 3336 2222 if you are calling from outside Australia).

General

  • Why can't I view documents such as the Financial Services Guide?

    These documents are saved as Adobe PDF files, you will require Adobe Acrobat Reader to view them. Adobe Acrobat Reader is free to download from here.  If you already have Adobe Reader and are still having a problem viewing the document, it may be because you have an older version of Adobe Reader.

  • How long will the online application take to complete?

    The following table illustrates the approximate time to complete the online application per product range:

    Product Approximate Time
    Credit Cards 20 minutes
    Reverse Charges Account ™ 10 minutes
    Unsecured Personal Loan 20 minutes
    WebSavings AccountTM 10 minutes

    These timings assume you have all the necessary information on hand.

  • How long will it take for the bank to process my application and notify me?

    The following table illustrates the approximate time required for the bank to process your application:

    Product Approximate Time
    Credit Cards You will be notified of the fate of your application within 2 bank business days of submission of the electronic application
    Reserve Charges Account™
    WebSavings AccountTM
    Unsecured Personal Loan

    Note: If your application for a Credit Card or Unsecured Personal Loan is approved, the approval is conditional upon your nominated branch receiving the required documentation and confirmation of your employment.

  • What documents do I require?

    The required documentation is dependant upon whether or not you are an existing BOQ customer and also the product you are applying for.

    The table below identifies the required documents:

    Product New BOQ Customer Existing BOQ Customer
    Credit Card
    • Online Applications - Authority
    • Proof of Income
    • Customer Identification Requirements to be completed in your nominated branch
    • Online Applications - Authority
    • Proof of Income
    Unsecured Personal Loan
    • Online Applications - Authority · Proof of Income
    • Customer Identification Requirements to be completed in your nominated branch during review of the letter of offer
    • Rates notice for any real estate assets
    • Last 6 months of loan statements for any existing loans
    • Signed lease agreement or real estate agent's statement if rental income declared
    • Online Applications - Authority 
    • Privacy and Consent
    • Proof of Income
    • Rates notice for any real estate assets
    • Last 6 months of loan statements for any existing loans
    • Signed lease agreement or real estate agent's statement if rental income declared
    Reverse Charges Account™
    • Online Applications - Authority
    • If Customer Identification Requirements not completed in a branch then a Certified Copies form must be completed
    • Online Applications - Authority
    WebSavings AccountTM
    • Online Applications - Authority 
    • If Customer Identification Requirements not completed in a branch then a Certified Copies form must be completed
    • Online Applications - Authority

    Please Note:

    All applications which have two parties (i.e. joint application or additional card holder), if one of the parties is not an existing BOQ customer the application process will be treated as if both parties are new BOQ customers.

  • What can I use as proof of income?

    Please submit your last two original payslips.  If you have been with your current employer for less than two years we require the two payslips from your current employer and the name and address of your previous employer.  If you are starting a new job, we require two payslips from your previous employer and a copy of the employment contract with your new employer.

    We currently only accept Online Applications for lending products (i.e. Credit cards and Unsecured Personal Loans) for PAYG employees i.e. not from self employed applicants.

  • How do I transfer my accounts over from another bank?

    There are a couple of ways you can transfer regular payments to your BOQ account or Credit Card, you can contact the company submitting the payment directly and provide them with your new BSB and account number or card number details or alternatively you can use the template letter created by BOQ and send this to the company. The sample letter contains your old and new payment details.

  • Why do you need my drivers licence number?

    Your drivers licence number helps us identify you.

Identification

  • What do I need to satisfy Customer Identification Requirements?

    Under current government legislation, customers of financial institutions need to satisfy Customer Identification Requirements when opening an account.  To assist you with identifying the types of documentation that are acceptable, please see a summary of some of the forms of documentation that may assist you below.  Remember, the branch must sight original documents. BOQ reserves the right to require further proof of identity even if ALL the necessary identification documents are presented.

    To identify and verify your identity one of the following document combinations must be held (photocopies of original current documents) and verified as originals in your branch:

    • Two (2) A documents (A+A); or
    • One (1) A document AND one (1) B document (A+B); or
    • One (1) A document AND one (1) C document (A+C); or
    • Two (2) B documents (B+B); or
    • One (1) B document AND two (2) C documents (B+C+C)
    • One (1) D document for Special Cases Only

    Please select your documents from the different categories in the following table. Remember that the branch must sight the original documents and all documents presented must be in the same name.

    PERSONAL CUSTOMER IDENTIFICATION DOCUMENTS
    A Documents (Primary Photographic)
    • Licence or permit issued for the purpose of driving a vehicle
    • Passport issued by the Commonwealth
    • Passport or similar document issued for international travel that contains a photograph & signature
    • A card issued for the purpose of proving the persons age (18+ card)
    B Documents (Primary Non-Photographic)
    • Birth certificate or birth extract
    • Citizenship certificate issued by the Commonwealth
    • Pension card or health care card issued by Centrelink that entitles financial benefits
    C Documents (Secondary)
    • Medicare card (Australian government issued)
    • Debit or credit card (1 per institution)
    • Student photo identification card (issued by an Australian Tertiary Education Institution)
    • Government or utilities service provisions (< 3 months)
    • School Principal Letter (< 3 months)
    • Government notice of financial benefit (< 2 months)
    • Bank statements (records for 12 months or more)
    • Rental agreement (residential or business premises)
    • Blue card - issued by Commission for Young People and Child Guardian (CYPCG)
    • Firearms Licence
    • Land titles office records
    • Defence Force identification card
    • Gaming licence (Australian Government issued)
    • Government notice of tax debt (< 2 months)
    • MINORS - Student photo identification card (issued by an Australian Primary/Secondary school. Must include name, DOB or address to be acceptable)
  • What can I do if I can’t satisfy Customer Identification Requirements?

    If you do not have suitable documentation to complete the Customer Identification requirements then you should contact our Customer Contact Centre on 1300 55 72 72 or your nearest branch.

    For deposit products a Certified Copies Form is able to be used where it is inconvenient to attend a branch.  This form is available by application only. Follow these steps to complete the form:

    1. Choose an Acceptable Certifier from the ‘Permissible Certifier Categories’  list on page two of the Certified Copies form. Please make sure you carefully read the ‘Permissible Certifier Categories’ list before selecting an Acceptable Certifier.

    2. You must provide the Bank with certified copies of specific identification documents per the above table. The acceptable combinations are as follows:

    • Two (2) A documents (A+A) or
    • One (1) A document AND one (1) B document (A+B) or
    • One (1) A document AND one (1) C document (A+C) or
    • Two (2) B documents (B+B) or
    • One (1) B document AND two (2) C documents (B+C+C)

    3. Select your primary and secondary identification verification documents from categories A,B and C.

    4. You will need to make copies of each of the identification documents you choose and take both the originals and the copies to your Acceptable Certifier. 

    5. Your Acceptable Certifier will be required to complete the ‘Certifier Checklist’ on page 2 of the form. Please note that the  Acceptable Certifier must sign the copy of the original identification used.

    6. Send your completed form along with the signed copies of your identification to:

    Bank of Queensland

    Reply Paid 898

    Online Applications – <nominated> Branch

    Brisbane      QLD  4001

Credit Card Applications

  • Can I apply for an additional card?

    Yes.  As part of the credit card application you have the option to apply for an additional card.  As the principal account holder you are responsible for all transactions made on your account. The additional cardholder has access to the same credit limit as the principal account holder.

  • Who can apply online?

    The following conditions must be met for an online application:

    • All applicants must be Australian residents with an Australian address within a State or Territory where there is a BOQ branch
    • The Account must be in personal names (no Company or Trading Accounts)
    • The applicant must be over 18 years of age
    • If an additional cardholder is requested they must be over 16 years of age
  • How can I transfer my other credit card or store card balances to my credit card?

    As part of the credit card application you have the option to request balance transfers from other non-BoQ credit cards or store cards.  If you require a balance transfer after you have your new BOQ credit card you can request a Balance Transfer by accessing the 'Manage your credit card' page via the 'Other Card Functions' button on the transaction history page. Alternatively you can visit your local BOQ branch.

  • How do I add an additional cardholder?

    If you would like to add an additional cardholder on an existing BOQ credit card, simply go to the 'Manage your credit card' page via the 'Other Card Functions' button on the transaction history page. Alternatively you can visit your local BOQ branch.

  • How many additional cardholders may I attach to my card?

    BOQ permits a maximum of four additional cardholders.

  • How do I increase my credit limit?

    If you would like to apply for a limit increase on an existing BOQ credit card, simply go to the 'Manage your credit card' page via the 'Other Card Functions' button on the transaction history page. Alternatively you can visit your local BOQ branch.

  • Why do you need my employer's details?

    We will contact your employer to verify your employment status.

Unsecured Personal Loan Applications

Home Loan Applications

  • Who can apply online?

    The following conditions must be met for an online application:

    • All applicants must be Australian residents with an Australian address within a State or Territory where there is a BOQ branch
    • The Account must be in personal names (no Company or Trading Accounts)
    • All applicants must be over 18 years of age
    • Joint accounts (where applicable) can be up to a maximum of two account holders 
  • How can I add another account holder to the account?

    When applying online for a Home loan we cater for a maximum of two account holders.  If you wish to add additional account holders or signatories please visit your local BOQ branch.

  • Can I apply online if I have a guarantor?

    No. We do not currently accept online applications where a guarantor is required.  Please visit your local BOQ branch or call the Customer Contact Centre on 1300 55 72 72 to discuss your options.

  • Can I open a Fixed Interest Rate Home loan?

    Yes, just select 'Fixed Rate Home Loan' on the 'Product Details' page within the online application.

  • What you need for a Home Loan Appointment?

    Click here to view what to bring to a home loan appointment.

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