AUSavingsPulse

BOQ Savings Account Rates

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www.boq.com.au ↗

BOQ offers savings accounts across several life stages. The Future Saver Account targets those aged 14 to 35 with a competitive ongoing rate, requiring $1,000 deposited monthly and five eligible transactions to unlock a bonus rate above a base rate. The Smart Saver Account applies the same deposit conditions for customers aged 36 and over, reaching a competitive rate. The Kids Savings Account allows up to one monthly withdrawal to earn a competitive rate, while the Superannuation Savings Account carries an introductory rate for four months.

Deposits with BOQ are protected under the Financial Claims Scheme up to $250,000 per account holder per ADI.

Savings Accounts

5.60% p.a.
ongoing rate
Rate breakdown
Base rate: 0.05%
Bonus rate: + 5.55%
How to earn it

To activate the bonus interest on your Future Saver Account/s, you will need to meet bonus interest criteria each month to qualify for bonus interest the following month. Deposit at least $1,000 a month into your linked Everyday transaction account from another Australian bank. (Funds transferred from BOQ accounts, cash and cheque and international deposits won't count.)Complete at least 5 transactions each month. Eligible transactions include direct debit payments, ATM withdrawals (not deposits

Bonus rate applies on balances up to $50,000

Rate current since 27 Jun 2026.
5.40% p.a.
ongoing rate
Rate breakdown
Base rate: 0.05%
Bonus rate: + 5.35%
How to earn it

To activate bonus interest on your Smart Saver Account/s, you will need to meet bonus interest criteria each month to qualify for bonus interest the following month. AgeMonthly criteria36 years+ Deposit $1000 from an external account into your linked Everyday Account and make 5 eligible transactions that clear within the month. An external account is any Australian non-myBOQ account. A deposit from an external account includes wages paid by an employer from an Australian account. Cash and cheque

Bonus rate applies on balances up to $250,000

Rate current since 27 Jun 2026.
4.80% p.a.
ongoing rate
Rate breakdown
Base rate: 4.80%
How to earn it
No conditions
Rate current since 27 Jun 2026.

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