BOQ Specialist
Private Access Account
The BOQ Specialist Private Access account allows you to make deposits and transfer funds at any time, requires no ongoing minimum balance and pays a competitive variable rate of interest on your entire balance. A good choice for you if you want daily access to your funds and you prefer a variable interest rate.
Savings & transaction accountsBank updated 3 June 2026
At a glance
- Base rate
- 3.25%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest paid monthly | — | — | — | 3.25% | — | paid every 1 mo |
§ 02 — Fees · 13
| 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 |
| 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 | — | — |
| 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 | No fee | — | If your Overdraft is approved and established, the Application Fee will be debited from your Account |
§ 03 — Features
Digital banking
- · No minimum balance requirements
- · A savings account with funds available on demand
- · Competitive interest rate on credit balances
- · No monthly account keeping fees
- · Interest calculated daily and paid monthly
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Resident or Citizen
- · Opening balance $10,000
- · Exclusively available to medical professionals and accountants
§ 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 3 June 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.