Transaction Accounts
Open a Day2Day Plus Account® for a chance to win $2,000*
Learn more*Terms and conditions apply. New customers only. Limited time offer.
Transaction accounts for everyday banking
As you progress through life's different stages, your lifestyle and financial needs may change. Whether you're looking for a no fee bank account, an interest earning account or you simply want easy access to your cash, we have an everyday account that can suit your needs.
Monthly admin fee
$0
Our award winning, no fee bank account
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 up to
1.00 % P.A.
On balances over $1.
Earn high interest on your everyday transaction account
Cash Management Account
Maintain a monthly minimum balance of $5,000 and receive bonus interest on balances from $1.
- Use Visa Debit to shop online, over the phone or in store, in Australia and overseas
- Access your money anytime via internet and mobile banking
- Unlimited monthly transactions when you maintain the monthly minimum balance
Bonus monthly payment
$2
When a $2,000 minimum monthly balance is maintained
Get paid a bonus for your everyday banking
Reverse Charges Account
Reverse Charges Account® gives you a bonus payment simply for using it as your transactions account.
- Maintain a minimum monthly balance of $2,000 and you'll receive a bonus paid into your account each quarter
- No monthly maintenance fee when you maintain a balance of $2,000 or more
- Worldwide acceptance with Visa Debit Card
1.80 % P.A.
On balances over $45,401
An easy retirement savings account
Pension Plus Account
A high interest transaction account available to eligible pensioners.
- No deposit or withdrawal limits
- Receive interest on your balance
- No account fees or penalties with easy access to your money
Add-on to your BOQ Home Loan
Add a Mortgage Offset Account to your eligible BOQ home loan to pay less interest on your home loan over time.
Pay off your house sooner
Mortgage Offset Account
Access your money at any time while reducing the interest payable on your home loan.
- 100% offset against your eligible BOQ Home Loan
- No minimum balance
- Easy access to your money when you need it
| Day2Day Plus Account® | Cash Management Account | Reverse Charges Account® | Pension Plus Account | |
|---|---|---|---|---|
| Account features |
Our award-winning, no fee bank accountMinimum opening deposit $1. Personal Overdraft available. Interest paid monthly. |
Earn high interest on your everyday transaction accountMinimum opening deposit $5000. Personal Overdraft not available. Interest paid monthly |
Get paid a bonus for your everyday bankingMinimum opening deposit $1. Personal Overdraft available. Interest paid quarterly. |
No account fees for eligible pensionersMinimum opening deposit $500. Personal Overdraft available. Interest paid monthly. |
| Who can open an account | Personal customers only (excluding Self Managed Super Funds) | Personal customers only | Personal customers only | Pensioner Concession Card holders only |
| Interest calculated daily | ||||
| Interest paid monthly | ||||
| Interest paid quarterly | ||||
| Bonus interest payment | ||||
| Minimum opening deposit | $1 | $5000 | $1 | $500 |
| Deposits | ||||
| Withdrawals | ||||
| Account access | ||||
| In branch | ||||
| Cheque book | ||||
| redi-ATMs | ||||
| Other ATM (non BOQ or rediATM) | ||||
| EFTPOS | ||||
| Visa PayWave | ||||
| Visa Debit Card | ||||
| Internet Banking | ||||
| Periodical Payments | ||||
| Bank@Post | ||||
| Extra Features | ||||
| 100% Mortgage Offset | ||||
| Personal Overdraft | ||||
| Fee Exemptions | ||||
| Under 18 | n/a | |||
| Students | n/a | |||
| Home Loan Customers | n/a | |||
