BOQ savings accounts
All 4 accounts· ranked among 151
Nothing. The rate is paid whatever the month.
The top rate applies to balances up to $50,000.
- A deposit of at least $1,000
- 5 card purchases
A month without them pays the 0.05% base. The bonus applies to balances up to $50,000.
- A deposit of at least $1,000
- 5 card purchases
A month without them pays the 0.05% base. The bonus applies to balances up to $250,000.
Nothing. The rate is paid whatever the month.
The top rate applies to balances up to $5,000,000.
Future Saver Account (ages 14–17), Future Saver Account and Smart Saver Account open only beside one.
Overseas ATM: this is the bank’s own fee. The ATM’s owner may charge its own fee on top, which banks don’t publish, so it isn’t counted.
Compare everyday accounts beyond BOQOctober 20261 change
- 9Fri
- 3 accounts up 0.20 to 0.259 days after the RBA rise to 4.60%+0.20 to +0.25
Smart Saver Account 5.40 5.65 +0.25 Future Saver Account 5.80 6.00 +0.20 Simple Saver Account 4.80 5.00 +0.20
September 20261 change
- 23Wed
- 2 accounts up 0.20 to 0.25+0.20 to +0.25
Future Saver Account 5.60 5.80 +0.20 Smart Saver Account 5.15 5.40 +0.25
June 20262 changes
- 9Tue
- +0.25
- 5Fri
- +0.25
March 20261 change
- 28Sat
- 3 accounts up 0.25 to 0.3010 days after the RBA rise to 4.10%+0.25 to +0.30
Smart Saver Account 4.85 5.15 +0.30 Future Saver Account 5.10 5.35 +0.25 Simple Saver Account 4.30 4.55 +0.25
Notes from savers
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As of 1 November 2026, BOQ has four savings accounts tracked by BankMate. Its Future Saver Account (ages 14–17) pays 6.00% p.a. total, which ranks 1st of 151 accounts and sits 1.63 points above the market average of 4.37%. Its rates last changed on 9 October 2026. From BOQ's Consumer Data Right feed, refreshed nightly. Total rate is base plus bonus, with every monthly condition met. Compare savings accounts ·