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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.