Terms and conditions

Important information for our clients

• Transactional bank accounts with optional overdraft and savings accounts
  • Everyday Plus Account Terms and Conditions (Applies to new customers from 30 June 2025 and all customers from 1 August 2025)
  • Everyday Plus Account Terms and Conditions (Applies to customers with the services prior to 30 June 2025)
  • Changes to the Everyday Plus Account Terms and Conditions (Applies to customers with the services prior to 30 June 2025)
  • 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 (Applies to new customers from 30 June 2025 and all customers from 1 August 2025)
  • Transaction and Savings Accounts Overdraft Facility Terms and Condition (Applies to customers with the services prior to 30 June 2025)
  • Changes to the Transaction and Savings Accounts Overdraft Facility Terms and Conditions (Applies to customers with the services prior to 30 June 2025)
• 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 Product Disclosure Statement (PDS)
• 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 (Applies to new customers from 30 June 2025 and all customers from 1 August 2025)
  • BOQ Specialist Online Service Terms and Conditions (Applies to customers with the services prior to 30 June 2025)
  • Changes to the BOQ Specialist Online Service Terms and Conditions (Applies to customers with the services prior to 30 June 2025)
• Credit guide
  • Credit guide
• Privacy policy
  • BOQ Specialist Privacy Policy
• 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

  ADX Brisbane terms and conditions
  

  Hamper terms and conditions

  Wish Gift Card terms and conditions

  Visa Gift Card terms and conditions

  Australian Cattle Vet (ACV) and Veterinary Business Group (VBG) Conference Competition terms and conditions

  AVA National Competition terms and conditions

  RACGP Practice Owners Conference Competition terms and conditions

  RACS Competition terms and conditions

  New Zealand food expereince terms and conditions

  AMSA National Convention 2025 competition terms and conditions

  EVA 45th Bain Fallon memorial lectures terms and conditions

  ANZCVS Vet science week conference terms and conditions

  GPCE Melbourne 2025 Competition Terms and Conditions