At a glance

2.15 %P.A. ^^
Bonus Interest on balances up to $250,000 when Bonus Criteria is met*
Bonus Interest variable rate each month when you meet the Bonus Criteria*
$ 0
Account maintenance fees
Withdrawals to your linked Day2Day Account while still earning Bonus Interest*

Your Bonus Interest   

Here's how you can earn your Bonus Interest with our best high interest savings account: 


  • Deposit a minimum of $1000 into your linked Day2Day Plus Account each month from an external source- like your salary; and
  • Make 5 or more eligible transactions from your linked Day2Day Plus Account each month such as settled Visa Debit Card or eftpos card purchases, ATM withdrawals or direct debits
  • Earn Bonus Interest 2.15% p.a. in the following month on your Fast Track Saver Account balances 
  • For balances over $250,000 the Base Rate of 0.35% p.a. applies
  • Your account will earn the Base Rate in the month that you open it and any month you don't meet the Bonus Criteria



Why Choose the Fast Track Saver Account

Fast track your savings with a high interest savings account that rewards you for using your Day2Day Plus Account

Ongoing Bonus Interest

Earn Bonus Interest variable rate by depositing $1,000 a month + 5 eligible transactions to your linked Day2Day Plus Account*

No minimum account balance

Earn Bonus Interest on your savings, with no minimum balance required.


Unlimited transfers

Make unlimited online transfers to your linked Day2Day Plus Account while still earning Bonus Interest*

The Fast Track Starter Account is provided to customers aged between 14 and 24.

Interest rates

Interest is calculated daily on a stepped basis and paid monthly on the first day of the month.


Base + Bonus Interest variable rate % p.a.*

When Bonus Criteria is met: $1,000 deposited + 5 eligible transactions to your linked Day2Day Plus Account in the prior month

Base variable rate % p.a.
$1 to $250,000
  • Interest rates are variable rates and are subject to change at any time without notice. 

Ready to apply?

Apply for your Fast Track Savings Account and linked Day2Day Plus Account online, in branch or give us a call.

To apply for a Fast Track Account, you must be: 

  • A citizen or permanent resident of Australia
  • Aged 25 years or over (Fast Track Saver) or between 14 and 24 years (Fast Track Starter) 
  • Applying for a personal account and not in the name of a business or trust. There should be no more than two account holders for this account

Linked to your Day2Day Plus Transaction Account

Benefit from the Day2Day Plus Account which will be opened and linked to your Fast Track Saver Account when you apply.


Everyday banking with no monthly fees

Day2Day Plus Account®

The Day2Day Plus Account is the everyday bank account that frees you to live the way you want, each and every day.

  • Easily manage your daily transactions and bills through internet banking
  • Unlimited deposits, withdrawals, BOQ balance enquiries, funds transfer and BPAY transactions
  • Contactless payments and secure online purchases through Visa Debit

Start saving if you are aged between 14 to 25

The Fast Track Starter Account will automatically convert to a Fast Track Saver Account on your 25th Birthday.




Fast Track Starter Account

A great way to start saving if you are 14 - 24 years old

  • Earn ongoing Bonus Interest variable rate when you meet Bonus Criteria
  • Simply deposit $200 or more and do 5 or more eligible transactions on your linked Day2Day Plus Account
  • No minimum balance required


At BOQ, we keep our fees to a minimum. Any fees we do have we’ll show you up front so there are no surprises.

Features Applicable Fees
Account maintenance Fee Nil

A full list of fees can be found in our Fees and Charges Guide

We can also help with:

Fixed term interest rates and no account fees

Term Deposits

Rewarding you with higher interest on balances over $5,000. Enjoy the security of a fixed rate for your nominated term.

  • Flexible terms from just 1 month
  • Minimum investment of just $1,000
  • Choose how and when you receive interest payments

Personal loan

Fixed Rate Unsecured Personal Loan

Whether you’re looking to pay for your next car, holiday, wedding, consolidate your debts or you need some extra funds, our personal loans can help make it a reality.

  • Low rate personal loans
  • Flexible repayment options to suit your budget
  • Pay off your loan sooner with unlimited extra repayments and no early repayment fees