Terms and conditions

Important information for our clients

• Transactional bank accounts with optional overdraft and savings accounts
  • Everyday Plus Account Terms and Conditions
  • Everyday Plus account with Qantas rewards program Terms and Conditions
  • Everyday Plus account with Velocity rewards program Terms and Conditions
  • Transaction and Savings Accounts Overdraft Facility Terms and Conditions
• Credit and debit cards
   

  • BOQ Specialist Credit Card Conditions of Use
  • BOQ Specalist Qantas Rewards Program
  • BOQ Specialist Velocity Frequent Flyer Rewards Program
  • BOQ Specialist credit card insurance
  • Important security information
  • Apple Pay terms and conditions
  • Google Pay terms and conditions
  • Debit card conditions of use
• Direct Debit Request Service Agreement
  • Direct Debit Request Service Agreement Terms and Conditions
• Home loans
   

  • Home loan banking package Terms and Conditions
• Commercial loans
  • Facility general conditions
  • General security agreement general conditions
  • Commercial specific security agreement general conditions
  • Unregulated guarantee and indemnity general conditions
  • Unregulated cross guarantee and indemnity general conditions
• Asset finance and motor vehicles
  
  Consumer
  

  • Loan with specific security agreement Terms & Conditions

  Commercial

  • Loan with specific security agreement Terms and Conditions
  • Master Asset Finance Agreement Terms and Conditions
• Secured personal overdraft agreement
  • Secured personal overdraft agreement general Terms and Conditions
• Additional information for students and graduates
   

  • Student Banking Package Terms and Conditions
  • CareerStarter Banking Package Terms and Conditions
  • FutureFocus program Terms and Conditions
• Foreign currency
  • Foreign Currency Deposit Account Combined PDS & FSG October 2025
  
  
  
• Interest rates
  • Savings and term deposit interest rates
  • Commercial and residential reference rates
• Fee schedules
  • Asset finance and commercial contracts - fee schedule
  • Credit card - fee schedule
  • Banking products - fee schedule
• Online banking
  • BOQ Specialist Online Service Terms and Conditions
• Credit guide
  • Credit guide
• Privacy policy
  • BOQ Specialist Privacy Policy
• Privacy Notices
  • Business Privacy Collection and Credit Reporting Notice
• Government Guarantee

  Under the Financial Claims Scheme (FCS) the Australian Government guarantees certain deposits up to $250 000 held with an authorised deposit-taking institution (ADI). BOQ Specialist is a division of Bank of Queensland Limited, and as such, qualifying deposits placed with BOQ Specialist are covered under the government guarantee provided to Bank of Queensland Limited (the ADI).

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• Banking code of practice
  The Banking Code of Practice (the Code) regulates how we communicate with our client and handle complaints and our obligations to assist clients who may be experiencing financial hardship or other personal circumstances impacting their financial position. Compliance with the Code is monitored by the Banking Code Compliance Committee (BCCC), an independent organisation whose role is to ensure subscribing banks are honouring their commitments to customers as set out in the Code.
   

  Banking Code of Practice

• Target market determinations
  • For target market determinations please click here
• Products no longer available
  • Personal loan Terms and Conditions

  • Personal loan facility agrement Terms and Conditions
• Competition terms and conditions
  • Hamper terms and conditions
  • Gift card terms and conditions
  • New Zealand food expereince terms and conditions