Bank accounts

Need a no monthly account keeping fee or interest-earning transaction account? We offer an everyday transaction account to suit your needs.{sub-heading}

Personal and Business Transaction Account

One Account

One Account is a unique transaction account that earns interest on your daily closing credit balance, with the flexibility of an optional overdraft facility.

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The optional overdraft facility enables you to manage your cash flow. It can give you an unsecured line of credit and you don’t have to use your personal property as security. You only pay interest on what you use, not on the entire credit limit.

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Easily access your funds using your Visa debit card, via online banking and our mobile app including BPAY® and Pay Anyone functionality.

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You can earn

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Variable rate

Earn interest on your everyday account balance

One Account for Business

Manage your practice cash flow and earn interest on your daily closing credit balance. One Account for Business provides seamless integration to MYOB, Xero and BankLink.

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Enjoy the convenience of a debit card and access to an optional overdraft to help manage your practice cashflow.

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The optional overdraft facility enables you to manage your cash flow, particularly when paying for practice expenses. It can give you an unsecured line of credit and you don’t have to use your personal property as security. You only pay interest on what you use, not on the entire credit limit.

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You can earn

{boqs-deposits-at-call || boqs2 || rate}%p.a. {rate-display}

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Variable rate

Earn interest on your everyday account balance

Bank accounts for everyday banking

Whether you're looking for a no monthly account keeping fee transaction account, an interest earning account or you simply want easy access to your money, we have an everyday transaction bank account that could suit your needs. {sub-heading}

One Account

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A unique transaction account that pays interest on credit balances as well as giving you access to an optional overdraft facility

Enquire now{small-button}

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One Account for Business

Manage your practice cash flow whilst earning interest on account balances. Integration with accounting software including MYOB, Xero and Banklink

Enquire now{small-button}

Learn more{small-button}

Features and benefits {thead}
Earn interest on your everyday transaction daily closing account balance
View current rates{link-button}
View current rates{link-button}
Fees

No establishment or account keeping fees.

If you apply for the optional overdraft and are approved, a one-off application fee applies.

No establishment or account keeping fees.
With a Visa Debit Card - Free ATM withdrawals at all BOQ ATMs within Australia
Deposits up to $250 000 are protected by the Federal Government's Deposit Guarantee~
Deposits into your BOQ Specialist account using a BSB and account number
Easily access your funds using your optional Visa debit card, online banking and our mobile app including BPAY® and Pay Anyone functionality
Withdrawals to internal BOQ Specialist accounts
Withdrawals via Direct Debit

Access to optional overdraft

Applications are subject to credit approval. Fees, charges and eligibility criteria apply

Integration with accounting software including MYOB, Xero and Banklink, allowing you to easily manage your practice cash flow.
Access to the BOQ branch network for depositing cheques and cash
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Find support with your accounts{yellow-border}

Find support with your accounts

Find answers to your frequently asked questions

Learn more

Card Management

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Find help with your Debit or Credit Card

Learn more

Talk to a financial specialist

Our financial specialists are located all around Australia.

Learn more

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If you can’t find the answer to your question here, our financial specialists are happy to help.{sub-heading}

Help and support

What types of transaction accounts does BOQ Specialist offer?

BOQ Specialist offers a One Account, which pays interest on your daily closing account balance and includes optional overdraft access. For business needs, we also offer the One Account for Business, designed to help manage practice cash flow. Our transaction account offers flexible access and is supported by our specialist banking team.

Are there any fees for opening or maintaining a BOQ Specialist transaction account?

No. BOQ Specialist does not charge any ongoing monthly account keeping fees on our personal transaction accounts. You’ll also benefit from free withdrawals at BOQ ATMs within Australia. Our focus is on making your banking experience simple, cost-effective, and transparent, so you can focus on your career or practice, not on managing fees.
Yes. If you’re a business or medical professional, our One Account for Business allows seamless integration with leading accounting software platforms, including Xero, MYOB and BankLink. This makes it easier to manage your cash flow, reconcile transactions, and stay on top of business expenses. Linking your BOQ Specialist transaction account with your accounting tools can help save time and improve the accuracy of your financial reporting - ideal for those running a busy practice.

How can I access and manage my account once it’s set up?

Once you've opened your transaction account online, you’ll have full access through BOQ Specialist online banking, our mobile app, and your optional Visa debit card. You can make purchases, pay bills using BPAY®, transfer funds via Pay Anyone, and set up direct debits. You can also transfer funds between linked BOQ Specialist accounts and access the BOQ branch network for cheque or cash deposits.
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Important information

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