Bank 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 bank account that can suit your needs.

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 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

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

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

Compare our bank accounts

Day2Day Plus Account® Cash Management Account Reverse Charges Account® Pension Plus Account
Account features
Our award-winning, no fee bank account

Personal Overdraft available. Interest paid monthly.

Earn high interest on your everyday bank account

Minimum opening deposit $5000. Personal Overdraft not available. Interest paid monthly

Get paid a bonus for your everyday bank account

Personal Overdraft available. Interest paid quarterly.

No account fees for eligible pensioners

Minimum 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 $0 $5000 $1 $500
Account access
In branch
Cheque book
Other ATM (non BOQ or rediATM)
Visa PayWave
Visa Debit Card
Internet Banking
Periodical Payments
Extra Features
100% Mortgage Offset
Personal Overdraft
Fee Exemptions
Under 18 n/a
Students n/a
Home Loan Customers n/a

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