At a glance

1.00 %P.A.
Earn interest on balances from $1
$ 0
Account keeping and transaction fees^*
Visa Debit Card
$ 0
Minimum monthly deposit

Why choose our Cash Management Account?

Maintain a minimum monthly balance of $5,000 and enjoy:

No account keeping fees

Account keeping and transaction fees are waived when you maintain a monthly minimum balance of $5,000*

Unlimited BOQ transactions

Unlimited BOQ transactions through redi-ATM, EFTPOS and cheques*    

No minimum monthly deposit

You can deposit as much or as little as you like, at any time    

Free Visa Debit Card

Use your Visa Debit Card to shop online, over the phone or in store, in Australia and overseas    

Access when you need it

Access your money at any time via internet and mobile banking    

For minimum monthly balances below $5,000:

  • 4 free BOQ branch withdrawals each month
  • 8 free BOQ ATM or EFTPOS withdrawals / transfers each month
  • 10 free Internet Banking funds transfers each month (including BPAY payments)
  • $5 monthly account maintenance fee

Interest rates

Maintain a monthly minimum balance of $5,000.

Amount $ Base Interest Rate % p.a.

1 – 9,999


10,000 – 19,999


20,000 – 49,999


50,000 – 99,999


100,000 – 249,999


250,000 and over



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.

Minimum Monthly Balance

Less than $5,000

$5,000 and over

Account Maintenance Fee



Monthly Card Fee (Visa Debit) Free Free


8 free then 65c each


Internet Banking Funds Transfers and BPAY

10 free then $0.30 each


A full list of fees and charges are listed in our Fees and Charges Guide below.

Important information

For important information on the Cash Management Account, view the Terms and Conditions.

Ready to apply?

Applying for a Cash Management Account is simple. You can apply online, in branch or on the phone.

Applying online

Step 1. Check your eligibility. You must be:

  • A citizen or permanent resident of Australia
  • Fifteen(15) years of age or over
  • 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

Step 2. Apply online now

Step 3. Load saved application

Chat to us

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Earn bonus interest on our interest earning savings account

Bonus Interest Savings Account

Whether you're saving for a new purchase, a house deposit, a new baby or something else, our Bonus Interest Savings Account will help you reach your savings goal faster. Terms and conditions apply, view Bonus Interest Savings Account for details.

  • Make one withdrawal a month and still earn bonus interest
  • No minimum balance to start earning interest
  • No monthly account maintenance fees

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