Open your Everyday Account

Apply online

 

Open your bank account

Scan the QR code to download the myBOQ app and get started

Why choose the Everyday Account?

No monthly fees

We've made monthly account keeping fees on your Everyday Account a thing of the past.

Osko payments

Make payments and transactions in real-time. Send and receive money in an instant with PayID enabled accounts.

Better at budgeting

Manage your money easily. Set spending budgets on specific categories like groceries, bills and more. And get personalised insights and real-time alerts all in the palm of your hands with our handy banking app. 

Track your bills

Never miss a payment on your everyday bills or recurring transactions. We’ll give you a heads up when your bills are due, so you can make sure you’ve got the funds available.

Round Ups

Grow your savings whenever you spend. Round up debit card transactions to the nearest dollar and we’ll put the extra change straight into one of your savings accounts.

Money on the go

Make transactions all from the palm of your hand. Make your money mobile and pay on the go with Apple Pay1, Samsung Pay2 or Google Pay3.

To download the myBOQ app search 'myBOQ' in the app store. 
 

Plus an account to help you save

Your Everyday Account automatically comes with a linked high-interest Saver Account. It’s the perfect match to help you achieve your financial goals. Click to learn more about our savings accounts.

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?

Apply online

 

Apply now

Scan the QR code to download the myBOQ app and get started

Fees and charges

$ 0 
No monthly fees
$ 0 
No withdrawal fees at over 10,000 ATMs*
$ 0 
No transaction fees within Australia
$ 0 
No overdrawn fees if you happen to overdraw your account.*

Please view the myBOQ Deposit Account Interest Rates, Transaction Limits, Fees and Charges document for more details.

BOQ Visa Debit card features

Get a BOQ Visa Debit Card with your Everyday Account. With Visa contactless payments, you'll spend less time checking out and more time enjoying your purchases. 

Worldwide Acceptance

You can now enjoy shopping everywhere Visa and eftpos are accepted, including online, in-store, over the phone and overseas.

Recycled Materials

As well as a tonne of features and benefits, your new card is made from 82% recycled plastic - so it's good for you and the planet! 

Fraud Protection

Visa's Zero Liability Policy* guarantees that you won’t be held responsible for unauthorised charges made on your account. If you notice any unauthorised transactions on your statement, contact BOQ immediately.

Card Controls

Card controls to help you better manage your spending and security. Find out more.

Apply Now!

  1. Scan the QR code to download the app
  2. Enter your ID and personal details
  3. Start using your new accounts

Or apply online today

Apply online

Check your eligibility

You will need:

  • To be aged over 14
  • 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+.

Everyday Account FAQs

  • If I already have a Day2Day Plus account, can I access the myBOQ app?

    To access the myBOQ app you will need to open a new Everyday Account.  

  • Can I open a joint account?

    Yes, accounts can be opened with 2 people only as joint account holders. Once you’ve completed your application, we’ll send the other party a message with details on how to get started. 

    Just so you know, if the person you are opening the account with is a new myBOQ customer, they will receive a unique application ID and an invite prompting them to download the myBOQ app to get started.

    If they are an existing myBOQ customer, they can apply using the application ID in the myBOQ app. This is done in the account section by selecting ‘Sign up for a new account’ and then ‘Join an existing application’.

  • Can I open an Everyday Account without a Saver Account?

    When you're signing up, our Everyday Account comes bundled with a Saver Account perfectly matched to help you reach your savings goals sooner. 

  • How many Everyday Accounts can I open?

    You can open two Everyday Accounts in the same name. 

  • Can I use an Everyday Account to offset a BOQ home loan?

    To find out more about finding the right product for you, talk to a lending specalist at your nearest BOQ. 

  • Can I access this account using desktop Internet Banking?

    No. myBOQ accounts are only available through the myBOQ mobile app and you cannot access this on a desktop or laptop computer. Any BOQ banking products that are accessible via BOQ internet banking such as Day2Day Plus Account, Fast Track Starter Account and Fast Track Saver Account will not be available within the myBOQ app.

    We’ve created a modern banking app that’s designed to give customers a truly mobile banking experience, complete with all the bells and whistles that make managing your money a breeze. To provide features like Osko/PayID payments, Round Ups and Budget Tracker, we needed to create an entirely separate banking solution that can support these exciting features and many more to come.

  • What is a transaction account?

    A transaction account, or our Everyday Account, is a bank account that is used for day-to-day use. These accounts traditionally come with a debit card which can be used to pay for things, as well as withdraw cash. A transaction account with BOQ also comes with a savings account to help you save your money. 

  • What is a debit card?

    A debit card is a transaction card that is linked with your Everyday Account. This means that when you make purchases or withdraw cash using your debit card, the funds used are taken from your transaction account. 

  • Can I use my debit card overseas?

    Yes! With BOQ, you can use your debit card overseas. Wherever Visa is accepted, you can use your card like normal! Fees and Charges apply when your card is used overseas. See our fees and charges booklet for details.  

  • How old do you have to be to get a debit card?

    To open an Everyday Transaction Account and get a debit card with BOQ, you just need to be over the age of 14. 

  • More FAQs

    For more Everyday Account FAQs, click on the button below.

    More FAQs

You might also be interested in:

Future Saver Account
You can earn
5.40 %P.A. ^^
On deposit balances up to $50,000

BONUS INTEREST VARIABLE RATE FOR BALANCES UP TO $50,000 IF BONUS CRITERIA MET**

Future Saver Account

Our high-interest saver accounts for 14 to 35 year olds, with easy-to-earn bonus interest and no monthly account keeping fees.

  • 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.
  • Let your high interest savings soar higher. Super charge your savings with easy to earn Bonus Interest.
  • Simply deposit $1,000 into your linked Everyday Account from an external bank account (cash and cheque deposits excluded) and make 5 or more eligible transactions (settled, not pending).
  • Stay on track and manager your savings. Set up savings goals to keep you on track with your targets.
  • Switch on Round Ups to add to your savings without even thinking about it! We'll round each of your transactions to the nearest dollar and put the extra right into your savings.
Learn more about Future Saver
Smart Saver Account
You can earn
5.00 %P.A.^^
On deposit balances up to $250,000

BONUS INTEREST VARIABLE RATE FOR BALANCES UP TO $250,000 IF BONUS CRITERIA MET**

Smart Saver Account

Our high-interest saving accounts for customers 36 years or older, with easy-to-earn bonus interest and no monthly account keeping fees.

  • 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.
  • Let your high interest savings soar higher. Supercharge your savings with easy to earn Bonus Interest.
  • Simply deposit $1,000 into your linked Everyday Account from an external bank account (cash and cheque deposits excluded) and make 5 or more eligible transactions (settled, not pending).
  • Stay on track and manage your savings. Set up savings goals to keep you on track with your targets.
  • Switch on Round Ups to add to your savings without even thinking about it! We’ll round each of your transactions to the nearest dollar and put the extra right into your savings.
Learn more about Smart Saver

Important Documents