Open your Smart Saver account
Why choose the Smart Saver account?

Plus a transaction account to help you make everyday spending easy
Take your online bank account to the next level with myBOQ
With the Smart Saver, you can now open your bank account online using the myBOQ app - the banking app designed to make your everyday banking online easier.

To download the myBOQ app search 'myBOQ' in the app store.
Things you should know
- myBOQ is a new mobile app that features exclusive 'app-only' accounts and transaction types that cannot be accessed via Internet Banking.
- If you're a BOQ account holder with existing accounts that you access via Internet Banking, please note these accounts aren't accessible from the myBOQ app.
Ready to apply for your Smart Saver account?
High interest rates to go with your Smart Saver
Balance up to | Base + Bonus Interest variable rate % p.a.* | Base variable rate % p.a. |
---|---|---|
$250,000 | 5.00% | 0.05% |
$250,001 + | - | 0.05% |
Interest rates are variable rates and are 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.
Save smart and earn our great bonus interest
Save smarter, meet the Bonus Criteria each month and earn more interest on your savings. Earning our great bonus interest rate is nice and easy, here’s how you can do it:
Note: To help you get started on reaching your savings goals, you'll start earning Bonus Interest straight away after opening your Smart Saver Account (for new customers only). To continue to earn Bonus Interest each month, you'll need to meet the above Bonus Criteria.
Save smarter with no fees and charges
Please view the myBOQ Deposit Account Interest Rates, Transaction Limits, Fees and Charges document for more details.
Apply Now!
- Scan the QR code to download the app
- Enter your ID and personal details
- Start using your new accounts
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Or apply online today
Check your eligibility
You will need:
- To be aged 36 and over
- To be the account holder (applications cannot be completed and submitted by an Executor/Administrator/Power of Attorney/ Legal representative).
- An Australian residential address
- An Australian drivers licence or Australian passport.
- An Australian mobile number
- A smartphone that supports iOS 12.0+ or Android 8.0+.
Perfect for smart savings
Save smart and save for your future. A Smart Saver account is packed with features making it perfect for long term savings.
Smart Saver FAQs
Important Documents
You might also be interested in:
Everyday banking with no monthly fees
Everyday Account
Our simple, intuitive everyday transaction account, made even better for you with user-friendly features that help you make the most of your money.
- Access your money whenever you need, exclusively on the all-new myBOQ mobile app. Please note: As an app-exclusive account, it cannot be accessed via Internet Banking.
- Managing your money has never been easier, with in-app spend tracking to help you budget better and bill tracker to give you a heads up when bills are due.
- Fast, easy payments. Pay or be paid instantly with PayID.
- Open an Everyday Account directly within the myBOQ app and start banking with BOQ today!
GET A GREAT, ONGOING INTEREST RATE FOR BALANCES UP TO $5 MILLION
Simple Saver Account
No hoops and no fuss when you just want to save. Simply sit back and watch your savings grow.
- Access your money whenever you need, exclusively on the all-new myBOQ mobile app. Please note: As an app-exclusive account, it cannot be accessed via Internet Banking.
- No monthly account keeping fees.
- Open up to 9 Simple Saver accounts and keep on track with all your goals
- Open a Simple Saver account directly within the myBOQ app and start banking with BOQ today!