Your High Interest Savings Account
How to Earn Bonus Interest (Bonus Criteria)
Here's how you can earn your Bonus Interest with our best high interest savings account:
Bonus Criteria
Important Information
- Earn 1.05% p.a. Bonus Interest in the following month on your Fast Track Saver Account balance
- For balances over $250,000 the Base Rate of 0.05% 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
Here's an example of how it works:


Our Fast Track Saver is literally a winner, awarded the 2020 Mozo Experts Choice Award for Regular Saver, plus the 2020 and 2021 RateCity Gold Award for Best Savings Account for Regular Savers.
The BOQ Fast Track Saver ensures you save faster with award-winning confidence.
- 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
- Call us on 1300 55 72 72
- Find your nearest branch
Fees & Interest Rates
When it comes to savings, we keep our fees to a minimum & rates to a max! Any fees we do have we’ll show you up front so there are no surprises.
Balance |
Base + Bonus Rate % p.a.* | Base Rate % p.a. |
---|---|---|
$1 to $250,000 |
1.05 |
0.05 |
Interest rates are variable and subject to change at any time without notice. Interest is calculated daily on a stepped basis and paid monthly on the first day of the following month.
Features | Applicable Fees |
---|---|
Account maintenance fee | Nil |
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:
Submit your application
If you have saved your application:
What else can we help you with?
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
Earn Q Rewards® points and enjoy perks
Platinum Visa Credit Card
Enjoy Q Rewards points for every dollar you spend on Eligible Transactions4 , plus get access to complimentary international travel insurance and extended warranties (terms, conditions, limits and exclusions apply)6 .
- 80,000 bonus Q Rewards points if you spend $3,000 in the first 2 months from card approval on Eligible Transactions1
- 0% p.a. on balance transfers for 14 months, reverting to the cash advance rate thereafter. No fees on balance transfers. No interest free days apply to retail purchases while you have a balance transfer3
- Earn 2 Q Rewards points for every dollar spent on Eligible Transactions 4

BONUS INTEREST VARIABLE RATE FOR BALANCES UP TO $10,000 IF BONUS CRITERIA MET6
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 that are settled (not pending) on your linked Day2Day Plus Account
- No minimum balance required
- We're proud to announce the awarding of the 2021 RateCity Gold Award for Best Savings Account Young Adults