BOQ Specialist
One Account
The One Account is a unique transaction account that pays a competitive rate of interest on credit balances as well as giving you access to an optional overdraft facility. There are no ongoing monthly fees and we don't require you to maintain a minimum balance
Savings & transaction accountsBank updated 16 Mar 2026
At a glance
- Base rate
- 0.10%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest paid monthly | — | — | — | 0.10% | — | paid every 1 mo |
§ 02 — Fees · 20
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $45 | — | Charged if there are insufficient cleared funds available to cover the value of a direct debit being processed |
| Duplicate and Interim Statement Fee | Enquiry | $5 | — | Charged for each Duplicate and Interim statement issued |
| Bank Audit Certificate | Event | $30 | — | Charged for each Bank Audit Certificate issued as part of an audit request |
| Bank Cheque Fee | Event | $10 | — | Charged for issuing a bank cheque |
| Express card delivery | Event | $40 | — | Priority handling cost for replacement Card |
| Express PIN delivery | Event | $30 | — | Priority handling cost for replacement PIN |
| Overdrawn Account Fee | Event | $15 | — | Charged if we honour a transaction that overdraws your account |
| Trace Fee | Event | $20 | — | Charged for each request to perform a trace on any transaction type |
| Voucher Retrieval Fee | Event | $10 | — | Payable for each voucher retrieval you request BOQ Specialist to obtain from a relevant merchant. |
| Direct Debit Fee | Payment | No fee | — | — |
| Foreign Currency Conversion Fee | Purchase | 2.95% of transaction | — | Payable when you make a transaction on your card account in a currency other than Australian dollars, or you make a transaction on your card account in any currency (including AUD) that is processed… |
| GCAS emergency card replacement Fee | Replacement | $175 | — | Payable and deducted from your card account on issuance of a replacement card outside Australia. |
| Online Banking Security credential | Replacement | No fee | — | — |
| Replacement of Online Banking security credential | Replacement | $50 | — | Charged for each replacement Online Banking security credential issued |
| Transaction Fee (international) | Transaction | $30 | — | Payable when you transfer money to a Beneficiary with a bank account held at an overseas financial institution or Foreign Currency transfer to an australian financial institution. |
| Transaction Fee (overnight) | Transaction | No fee | — | — |
| Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request | Transaction | $30 | — | Payable for each Real Time Gross Settlement (RTGS) transaction |
| Optional Overdraft Facility Application Fee | Upfront | $495 | — | If your Overdraft is approved and established, the Application Fee will be debited from your Account BOQ Specialist Student Banking Package BOQS Staff discount |
| ATM transactions per activity | Withdrawal | Varies | — | — |
| Foreign ATM Fee | Withdrawal | $5 | — | Charged for each transaction at an ATM outside of Australia. |
§ 03 — Features
Digital bankingUnlimited transactionsOverdraftGoogle PayApple Pay
- · When you become a BOQ Specialist client you will be matched with a dedicated financial specialist who can assist with all of your personal and business banking needs
- · Ability to deposit funds over-the-counter at any BOQ or ANZ branch Australia-wide
- · Earn a savings rate of interest on your everyday account balance
§ 04 — Eligibility & limits
- · Minimum age 16
- · Residency: Resident or Citizen
- · Available to individuals
- · Product is offered to medical, dental, veterinary & accounting professionals only
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by BOQ Specialist under the Consumer Data Right, last changed by them on 16 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.