Savings account
Smart Saver Account — BOQ
Current savings rate from BOQ. Compare the ongoing rate, bonus conditions, and eligibility in one place.
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
5.40% up to $250,000, then 0.05% above that
Rate History
The Smart Saver Account rate has not changed since we started tracking on 27 Jun 2026. Current rate: 5.40% p.a.
| From | To | Ongoing rate p.a. |
|---|---|---|
| 27 Jun 2026 | — | 5.40% Current |
What to know
This page focuses on the ongoing rate: 5.40% p.a.
To earn the full rate, you need to meet these conditions: 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
If you miss the conditions in a given month, you earn only the base rate: 0.05% p.a.
On balances above $250,000, the rate steps down to 0.05% p.a. — it doesn't stop, but the top rate only applies up to that balance.
Eligibility: minimum age 36.
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The information on this page is general in nature and does not constitute financial advice. Rates are subject to change — verify directly with the provider before making a financial decision.