BOQ SpecialistOne Account for Business
With our One Account for Business, you will earn a savings rate of interest on your positive balances in your account. Enjoy the convenience of a debit card and access to an optional overdraft to help manage your practice cashflow
At a glance
- Base rate
- 0.10%
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.
Each institution's best interest-paying business account, base plus any bonus. One dot per institution, at its highest business savings rate anyone can apply for; hover or tap a dot for its name.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.10% | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions | 21st highest of 34 |
Rates
Every rate BOQ Specialist publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest may be paid by debiting Your Designated Account on the first day of the month following the debiting of interest, by making deposits individually or in aggregate for an amount greater than t… | - | - | - | 9.20% | - | - |
| VariableInterest paid monthly | - | - | - | 0.10% | - | paid every 1 mo |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Variable | 8.95% | 9.20% | up 0.25 |
| 3 Oct 2026 | Variable | 8.70% | 8.95% | 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
21 fees published, grouped by when they're charged.
When you take it out2
- Optional Overdraft Facility Application Fee
If your Overdraft is approved and established, the Application Fee will be debited from your Account
No fee - Optional Overdraft Facility Application Fee
If your Overdraft is approved and established, the Application Fee will be debited from your Account
$495
When you make a transaction7
- Direct Debit FeeNo fee
- Foreign Currency Conversion Fee
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…
2.95% of transaction - 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
- Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request
Payable for each Real Time Gross Settlement (RTGS) transaction
$30 - ATM transactions per activityVaries
- Foreign ATM Fee
Charged for each transaction at an ATM outside of Australia.
$5
If a payment is late or fails1
- Dishonour Fee
Charged if there are insufficient cleared funds available to cover the value of a direct debit being processed
$45
When particular things happen11
- 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 - Express card delivery
Priority handling cost for replacement Card
$40 - Express PIN delivery
Priority handling cost for replacement PIN
$30 - 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 - Voucher Retrieval Fee
Payable for each voucher retrieval you request BOQ Specialist to obtain from a relevant merchant.
$10 - GCAS emergency card replacement Fee
Payable and deducted from your card account on issuance of a replacement card outside Australia.
$175 - Online Banking Security credentialNo fee
- Replacement of Online Banking security credential
Charged for each replacement Online Banking security credential issued
$50
Features
- Earn a savings rate of interest on your everyday account balance
- Ability to deposit funds over-the-counter at any BOQ and ANZ branch Australia-wide
- Integration with accounting software including MYOB, Xero and Banklink, allowing you to easily manage your practice cashflow
- Simplify bulk payments with batch debit and credit facilities
- 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.
Eligibility and limits
- Available to businesses
- Product is offered to medical, dental, veterinary & accounting professionals only
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Published by BOQ Specialist under the Consumer Data Right, last changed by them on 5 Nov 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.