Different ways to pay {yellow-border}

You have plenty of options to make and receive payments—no cheque needed!

In Australia cheque usage is declining{yellow-border}

The payment landscape in Australia is changing. Customers are opting out of using cheques and choosing to make payments through simpler and faster digital methods.

BOQ is making the following changes to our cheque services:

Effective Date
Change
30 June 2026
BOQ Bank Cheques can no longer be requested. We will still honour any BOQ Bank Cheques that have already been issued.
30 November 2026

BOQ will no longer accept other financial institution cheques through our branches or ATMs, this includes bank cheques and customer cheques.

This means that you will not be able to deposit cheques from other financial institutions (personal, business or bank cheques) into your BOQ account at a branch or ATM.

BOQ will still accept and honour any BOQ Bank Cheques that have already been issued.

You may continue to use Bank@PostTM services for depositing non-BOQ cheques using your Visa debit card. Please note that cheques made payable to joint names cannot be accepted at Bank@PostTM

When are cheques being phased out?

The payments industry, banks and financial institutions are working together to ensure a smooth and orderly transition away from cheques.

The writing of personal, business, government and bank cheques is being phased out;

See Australia's Cheques Transition Plan https://treasury.gov.au/publication/p2024-555854

How can I get support during this transition?

We’re here to help you every step of the way. Review the alternative payment options available to you at myBOQ below.

If you have questions or require additional support, visit your nearest BOQ branch or contact our dedicated support team using in-app chat located in your myBOQ app Profile > Help & Support > Contact Us or by calling us on 1300 737 766 from Monday to Friday 8am – 8pm and Saturday 9am – 5pm (AEST/AEDT).

I have a large amount of money to send; can I do this electronically?

There are multiple ways you can send money electronically. Refer to our alternative payment options below.

Why is BOQ ceasing cheque services?

Cheques usage has seen significant decline with many opting for faster and safer digital payment solutions. We’re continuing to modernise our services and wanted to let you know about the next stage of changes to cheques.

What does the change for Cheque Deposits mean?

As a BOQ customer, you will no longer be able to make cheque deposits of other financial institutions’ cheques to any of your BOQ Bank Accounts. These changes apply to all cheque deposits both bank cheques and customer cheques made to all BOQ Bank Accounts at any BOQ branches and BOQ Automatic Teller Machines (ATM).

You may be able to deposit certain cheques via the Bank@Post™ services using your Visa debit card; however not all cheques can be deposited via Bank@Post™.

Bank@Post™ will only accept cheques issued by participating financial institutions that currently offer cheque services. To find out if a cheque can be deposited via Bank@Post™ please contact the issuer of the cheque.

Please note that cheques made payable to joint names cannot be accepted at Bank@Post™.

However, BOQ issued bank cheques presented at a BOQ branches for deposit into a BOQ Bank account will continue to be accepted.

Alternative ways to pay {yellow-border}

Pay Anyone payments

The ‘Pay Anyone’ feature allows you to send payments using a PayID or BSB and account number in your internet banking or in the myBOQ app.

Debit Card Payments

Make once off or recurring payments online, in-store and over the phone with your debit card.

BPAY payments

Make fast and easy payments through your internet banking or myBOQ app using the BPAY Biller Code and Reference found at the bottom of your bill.

Direct Debit Payments

You may be able to set up a direct debit request with a business, using your BSB and account number. This enables them to automatically withdraw money from your account on a scheduled basis.

Many utility suppliers like gas, water and electricity companies provide this option to pay your bills.

Please note, available payment options vary based on your product. Fees may apply to certain payments; please refer to the myBOQ Deposit Account Interest Rates, Transaction Limits, Fees and Charges, located at https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/
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