BOQ Specialist
32 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.
Savings & transaction accountsBank updated 12 Aug 2026
At a glance
- Base rate
- 3.75%
- Intro rate
- 0.95% for 5 mo
§ 01 — Rates · 2
| 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 | — | — | — | 3.75% | — | paid every 1 mo |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $45 | — | Charged if there is 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 |
| 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 |
| Direct Debit Fee | Payment | No fee | — | — |
| Account keeping Fee | Periodic | No fee | Every 1 yr | — |
| 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 | — | — |
| Optional Overdraft Facility Application Fee | Upfront | No fee | — | If your Overdraft is approved and established, the Application Fee will be debited from your Account |
§ 03 — Features
Digital banking
- · 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
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Resident or Citizen
- · Opening balance $10,000
- · 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 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.