Provider
LiveBOQ
As of 18 September 2026, BOQ has 7 products across three of the 8 pillars BankMate tracks: 3 savings accounts, 3 home loans and 1 term deposit. Its highest-placed product is Future Saver Account at 5.80% p.a., 1st of 94 savings accounts. Its rates last moved on 8 July 2026.
- Pillars
- 3 of 8
- No credit cards, personal loans, superannuation…
- Products tracked
- 7
- 3 savings accounts · 3 home loans · 1 term deposit
- Highest placed
- #1
- Future Saver Account · of 94 savings accounts
- Last change
- 8 July 2026
- 4 changes on record
What changed
4 changes across 2 pillars since 1 Mar 2026- Term depositsPremier Investment Term Deposit · 12 terms cut 0.05 to 0.20mixed
- Savings accountsFuture Saver Account 5.35 → 5.60Bonus rate 5.30% → 5.55% · 34 days after the RBA rise to 4.35%+0.25
- Savings accountsSimple Saver Account 4.55 → 4.80Bonus rate 4.50% → 4.75% · 30 days after the RBA rise to 4.35%+0.25
- Savings accounts3 accounts up 0.25 to 0.3010 days after the RBA rise to 4.10%mixed
- Future Saver Account 5.10 → 5.35
- Smart Saver Account 4.85 → 5.15
- Simple Saver Account 4.30 → 4.55
Savings accounts · 3
Total rate, conditions met · ranked among 94 accounts$1k deposit a month · bonus up to $50k
5.80%#1 of 940.05% base + 5.75% bonus
- Monthly deposits
- $1,000/month
- Balance range
- $0 - $50,000
- Age
- 14-35 years
$1k deposit a month · 5 card purchases · bonus up to $250k
5.40%#9 of 940.05% base + 5.35% bonus
- Debit card use
- 5+/month
- Monthly deposits
- $1,000/month
- Balance range
- $0 - $250,000
- Age
- 36+ years
Bonus up to $5m · from $1
4.80%#63 of 940.05% base + 4.75% bonus
- Balance range
- $1 - $5,000,000
- Age
- 14+ years
Full savings accounts record for BOQ →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for BOQ · Compare all savings accounts
Home loans · 3
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 2
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · 13 variants
6.23%#27 of 107comparison · 6.08% advertised
- Application fee
- $300
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤80% LVR · offset account · redraw · 14 variants
6.26%#31 of 107comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Fixed · 1
2yr Fixed · P&I · Owner-occupier · ≤80% LVR · 33 variants
2y 6.28%3y 6.31%4y 6.50%5y 6.55%6.28%#8 of 49comparison · 6.24% advertised
- Application fee
- None
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for BOQ →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest at maturity or monthly · from $5,000 · 7 terms
3 mo 4.50%6 mo 4.80%9 mo 4.95%1 yr 5.05%5.05%#184 of 5901 year
- 3 months
- 4.50% · #143 of 369
- 6 months
- 4.80% · #162 of 547
- 9 months
- 4.95% · #116 of 500
- 1 year
- 5.05% · #184 of 590
- Minimum deposit
- $5,000
- Maximum deposit
- $249,999
- Interest paid
- At maturity or Monthly
- Early withdrawal
- Allowed · Access your funds prior to maturity by providing 31 days prior notice to redeem your account early (an interest adjustment and early payout fee apply)
Full term deposits record for BOQ →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
BOQ has no credit cards, personal loans, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
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