Private Access Account
Competitive interest savings for professionals who want their funds to grow while keeping them in reach. No monthly account keeping fees or minimum balance requirements.{sub-heading}
Why open a Private Access Account?
No monthly account fees
Hold onto what you earn, with no monthly account keeping fees.
Access your funds on demand
Withdraw by transferring funds to a designated bank account via online banking or the mobile app.
Competitive interest rates
Make your money work for you with a {boqs-deposits-at-call || boqs3 || rate}% p.a. variable interest rate.
Get monthly interest payments
Interest is calculated daily on the daily closing balance and paid monthly.
Secure transfers in the mobile app
Secure withdrawals can be managed through the BOQ Specialist mobile app or online banking.
No minimum balance requirement
Don’t wait for a nest egg to start earning interest. Open an account today and let it grow.
Eligibility criteria{yellow-border}
To be eligible for a Private Access Account, please check you meet the following criteria:
- be an Australian citizen, permanent resident, or resident with acceptable residency status
- be 18 years or older, or
- be an Australian registered corporation or association, or
- be a trustee of an Australian discretionary, statutory, superannuation, unit or hybrid trust (the beneficiary and the trustee must meet the eligibility criteria of an individual or a corporation),
- agree to the BOQ Specialist Transaction and Savings Account and Overdraft Facility Terms and Conditions.
Frequently asked questions{yellow-border}
If you can’t find the answer to your question here, there’s more support available.{sub-heading}
What is a high-yield interest savings account?
How do I access my funds?
How does a savings account benefit my business?
What interest rate does the Private Access Account offer?
The Private Access Account offers a variable interest rate, with interest calculated on the daily closing balance and paid monthly.
View interest rates across all BOQS accounts.
Important documents{yellow-border}
BOQ Specialist Terms & Conditions
Link{sub-tag}
Target Market Determination
PDF{sub-tag}
We can also help you with{yellow-border}
Home loans
We offer our clients a range of home loan options for financing a new home, re-financing, renovating or acquiring an investment property.
Explore our other bank accounts
Didn't find what you were looking for? Here are some more great options for specialist banking and saving accounts.
32 Day Notice Account
Our variable interest rate savings account. Funds available with 32 days' prior notice.
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You can earn
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Variable interest rate
^Notice: Effective 18/2/2026 the Interest Rate on the 32 Day Notice Account will be changing to 3.00% p.a.
Term Deposits
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Choose a deposit period that suits your needs and maximise your interest rates.
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You can earn
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90 day term deposit. Interest paid at maturity.
Savings and term deposit interest rates
If you are deciding on opening a new savings or term deposit account, you need to know the current interest rates.