BOQ Specialist32 Day Notice Account
If you need more frequent access to your savings, our notice account features a competitive interest rate, that is calculated on the daily closing credit balance of your account and paid monthly, and gives you access to your money after providing 32 days’ notice. A good choice for you if you are saving for a goal such as a deposit on a house, new car or holiday, you would like to make regular deposits to your savings, and if you prefer a variable interest rate.
At a glance
- Base rate
- 4.00%
- Intro rate
- 0.95% for 5 mo
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 4.00% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 13th highest of 61 |
Rates
Every rate BOQ Specialist publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Introductory0.95% p.a. introductory bonus rate on the 32 Day Notice Account for eligible new-to-bank customers who open a new 32 Day Notice Account during the promotional period. Eligible accounts will receive a… | - | 5 mo intro | - | 0.95% | - | paid every 1 mo |
| VariableInterest paid monthly | - | - | - | 4.00% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable | 3.75% | 4.00% | up 0.25 |
Each change is logged the night it appears in the rates BOQ Specialist publishes. See how every lender answered the RBA on the rate tracker.
Fees
13 fees published, grouped by when they're charged.
- When you take it outNo feeOptional Overdraft Facility Application Fee
- While you hold itNo feeAccount keeping Fee
- When you close it or pay it offNo fee published
When you take it out1
- Optional Overdraft Facility Application Fee
If your Overdraft is approved and established, the Application Fee will be debited from your Account
No fee
While you hold it1
- Account keeping FeeNo fee
When you make a transaction3
- Direct Debit FeeNo fee
- Transaction Fee (international)
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.
$30 - Transaction Fee (overnight)No fee
If a payment is late or fails1
- Dishonour Fee
Charged if there is insufficient cleared funds available to cover the value of a direct debit being processed
$45
When particular things happen7
- Duplicate and Interim Statement Fee
Charged for each Duplicate and Interim statement issued
$5 - Bank Audit Certificate
Charged for each Bank Audit Certificate issued as part of an audit request
$30 - Bank Cheque Fee
Charged for issuing a bank cheque
$10 - Overdrawn Account Fee
Charged if we honour a transaction that overdraws your account
$15 - Trace Fee
Charged for each request to perform a trace on any transaction type
$20 - Online Banking Security credentialNo fee
- Replacement of Online Banking security credential
Charged for each replacement Online Banking security credential issued
$50
Features
- A savings account with funds available with 32 days prior notice
- Competitive interest rate on credit balances and no monthly account keeping fees
- Add funds to account at any time
- Interest calculated daily and paid monthly
- No minimum balance requirements
Eligibility and limits
- Minimum age 18
- Residency: Resident or Citizen
- Opening balance $10,000
- Product is offered to medical, dental, veterinary & accounting professionals only
Compare it with others
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Published by BOQ Specialist under the Consumer Data Right, last changed by them on 12 Aug 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.