What is a Target Market Determination?{yellow-border}
A Target Market Determination (TMD) describes:
- The class of customers that comprise the target market for the product
- Any conditions or restrictions on how the product is distributed to retail customers
- Events or circumstances where we will review the TMD for the product
Why does BOQ need to make this TMD publicly available?{yellow-border}
We are required to produce these TMDs to meet BOQ’s Design and Distribution obligations. The Design and Distribution obligations are intended to help consumers obtain appropriate financial products by requiring issuers and distributors to have a consumer centric approach to the design and distribution of products.
These documents are not a substitute for the product’s terms and conditions or other disclosure documents. Customers should refer to the product's terms and conditions or other disclosure documents when making a decision about this product. The TMDs, and further information on our products, can be found via the links below or by contacting us.
BOQ TMD's{yellow-border}
Transaction Account
BOQ Day2Day Plus Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/day2day-plus-account-tmd.pdf
myBOQ Everyday Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/everyday-account-tmd.pdf
Savings Accounts
myBOQ Future Saver Account and Smart Saver Account
PDF{sub-tag}
/content/dam/boq/mobile-app/boq-app/files/tmd-the-future-saver-and-the-smart-saver.pdf
myBOQ Simple Saver Account
PDF{sub-tag}
/content/dam/boq/mobile-app/boq-app/files/tmd-the-simple-saver.pdf
Term Deposit
BOQ Term Deposit (Premier Investment Account) for Personal and Business Customers (Investment Trust and Controlled Money Accounts)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/term-deposit-premier-investment-account-for-personal-and-business-customers-investment-trust-and-controlled-money-account-tmd.pdf
BOQ Easy Investment Account for Personal and Business customers
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/easy-investment-account-tmd.pdf
Home Loans
BOQ Fixed Rate Home Loan
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/fixed-rate-home-loan.pdf
BOQ Economy Variable Rate Home Loan
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/economy-variable-rate-home-loan.pdf
BOQ Clear Path Variable Rate Home Loan
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/clear-path-variable-rate-home-loan.pdf
Personal Loans
BOQ Personal Loan (Secured)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/personal-loan-motor-vehicle-secured.pdf
BOQ Personal Loan (Unsecured)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/personal-loan-unsecured.pdf
Business Transaction Account
Everyday Business Account (with Optional Overdraft)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-everyday-business-account-with-optional-overdraft.pdf
Business Loans and Finance
BOQ Equipment Finance Staff Loan
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-equipment-finance-staff-loan.pdf
Business Accounts and Cards
BOQ StrataCash Term Deposit Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-stratacash-term-deposit-account.pdf
BOQ StrataCash Transaction (Advantage & Transaction) Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-stratacash-transaction-advantage-and-transaction-account.pdf
Business Savings Account
BOQ Business WebSavings Account (Investment Trust Account and Controlled Money Account)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-business-websavings-account-investment-trust-account-and-controlled-money-account).pdf
BOQ Superannuation Savings Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-superannuation-savings-account.pdf
Trust Accounts
BOQ Queensland Property Agents and Motor Dealers Trust Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-queensland-property-agent-and-motor-dealers-trust-account.pdf
Money Market Account (via DDH Graham)
BOQ Money Market Deposit Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-money-market-deposit-account.pdf
Farm Management Account
BOQ Farm Management Term Deposit Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-farm-management-term-deposit-account.pdf
Treasury
BOQ Treasury Term Deposits Via Platform
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-treasury-term-deposits-via-platform.pdf
BOQ At-Call Deposit (Via Treasury)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-at-call-deposit-via-treasury.pdf
BOQ Notice Deposit (Via Treasury)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-notice-deposit-via-treasury.pdf
BOQ Fixed & Floating Term Deposit (Via Treasury)
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-fixed-and-floating-term-deposit-via-treasury.pdf
Financial Markets & Trade Finance
BOQ Foreign Currency Account
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-foreign-currency-account.pdf
BOQ Foreign Exchange Facility
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-foreign-exchange-facility.pdf
BOQ Collection - Outwards
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/collection-outwards.pdf
BOQ Short Term Trade Finance
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/short-term-trade-finance.pdf
BOQ Foreign Exchange Spot Contract
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/boq-foreign-exchange-spot-contract.pdf
BOQ Documentary Letter of Credit
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/documentary-letter-of-credit.pdf
BOQ Documentary Letter of Credit - Export
PDF{sub-tag}
/content/dam/boq/files/target-market-determinations/documentary-letter-of-credit-export.pdf
Links to third party issued TMDs{yellow-border}
Can’t Find the TMD you are looking for?{yellow-border}
If you would like a copy of a past version of a TMD that does not appear on this page, please contact us on 1300 55 72 72.