BOQ Specialist
Term Deposit
Looking for a dependable yield from your income or hard earned savings? Then a BOQ Specialist fixed term deposit could be an option to consider
Term depositsBank updated 21 Sept 2026
At a glance
- Best rate
- 5.30% for 12m
- 12 months
- 5.30%
- Min deposit
- $1,000
§ 01 — Rates · 11
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest paid annually | — | 120 days | $1,000+ | 5.05% | — | paid at maturity |
| FixedInterest paid at maturity | — | 180 days | $1,000+ | 5.15% | — | paid at maturity |
| FixedInterest paid annually | — | 270 days | $1,000+ | 5.15% | — | paid at maturity |
| FixedInterest paid at maturity | — | 30 days | $1,000+ | 4.10% | — | paid at maturity |
| FixedInterest paid annually | — | 60 days | $1,000+ | 4.20% | — | paid at maturity |
| FixedInterest paid at maturity | — | 90 days | $1,000+ | 5.00% | — | paid at maturity |
| FixedInterest paid at maturity | — | 1 yr | $1,000+ | 5.30% | — | paid at maturity |
| FixedInterest paid at maturity | — | 2 yrs | $1,000+ | 3.50% | — | paid every 1 yr |
| FixedInterest paid annually | — | 3 yrs | $1,000+ | 3.50% | — | paid every 1 yr |
| FixedInterest paid at maturity | — | 4 yrs | $1,000+ | 3.50% | — | paid every 1 yr |
| FixedInterest paid annually | — | 5 yrs | $1,000+ | 3.50% | — | paid every 1 yr |
§ 02 — Fees · 10
| 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 |
| 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 |
§ 03 — Features
Digital banking
- · 24/7 service with our Client Service Centre
- · Flexible terms ranging from 30 days to 5 years
- · Flexibility to re-invest, add extra money or withdraw at the end of the term
- · Consistently competitive ongoing term deposit interest rates on new funds and rollovers
- · No establishment or account keeping fees
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Resident or Citizen
- · Opening balance $1,000
- · 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 21 Sept 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.