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Under the Australian Government’s Financial Claims Scheme (FCS), certain deposits are protected up to a limit of $250,000 for each account holder at BOQ Specialist. The FCS limit of $250,000 applies to the total sum of all BOQ bank accounts, including accounts you hold with BOQ, ME Bank, Virgin Money Australia and BOQ Specialist. Please visit the apra website at https://www.apra.gov.au/financial-claims-scheme-0 for further information on the institutions and types of accounts covered.

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Access to your account is only available upon providing 32 days’ notice to BOQ Specialist. Any early withdrawal requests will only be considered for reasons based on hardship, as assessed and agreed to by BOQ Specialist. If you think you will need to access the funds in your 32 Day Notice Account immediately or regularly, another deposit product may be more suitable. Interest is calculated on the daily closing credit balance of your account and paid monthly.

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Offer available only to new customers who have not previously held a 32 Day Notice Account and who open a 32 Day Notice Account between 13 August 2026 and 30 November 2026. Existing or previous 32 Day Notice Account holders are not eligible for this offer. Joint accounts are eligible if at least one account holder has not previously held a 32 Day Notice Account. BOQ Specialist reserves the right, acting reasonably, to amend, suspend or withdraw this offer. Any amendment, suspension or withdrawal will not affect the eligibility of customers who have already satisfied the offer criteria prior to the date of the change.

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The 4.70% p.a. variable promotional rate is made up of the current 3.75% p.a. standard variable interest rate plus an additional 0.95% p.a. variable promotional rate. The additional 0.95% p.a. variable promotional rate applies for the first 5 months from the account opening date. After that period, the account will earn the standard 32 Day Notice Account variable rate that applies at that time.