{
  "source": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/81906e88-5c03-ee11-8f6e-00224814d330",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "81906e88-5c03-ee11-8f6e-00224814d330",
    "lastUpdated": "2026-06-02T23:13:38Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Private Access Account",
    "description": "The BOQ Specialist Private Access account allows you to make deposits and transfer funds at any time, requires no ongoing minimum balance and pays a competitive variable rate of interest on your entire balance. A good choice for you if you want daily access to your funds and you prefer a variable interest rate.",
    "brand": "BOQS",
    "brandName": "BOQ Specialist",
    "applicationUri": "https://www.boqspecialist.com.au/forms/private-access-savings-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access",
      "termsUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf",
      "eligibilityUri": "https://www.boqspecialist.com.au/about",
      "feesAndPricingUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY and Pay Anyone",
        "additionalInfo": "Easily access your funds via online banking and our mobile app including BPAY and Pay Anyone functionality",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/bank-accounts/everyday-plus"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Easily access your funds via online banking and our mobile app including BPAY and Pay Anyone functionality",
        "additionalInfoUri": "https://olb.boqspecialist.com.au/web/banking#sst"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum balance requirements",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A savings account with funds available on demand",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Competitive interest rate on credit balances",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fees",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest calculated daily and paid monthly",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "10000.0000000000",
        "additionalInfo": "While we have the discretion to determine deposit size, we usually accept a minimum deposit of  AUD 10,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Exclusively available to medical professionals and accountants",
        "additionalInfoUri": "https://www.boqspecialist.com.au/about"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen"
      }
    ],
    "fees": [
      {
        "name": "Overdrawn Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if we honour a transaction that overdraws your account",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Optional Overdraft Facility Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "If your Overdraft is approved and established, the Application Fee will be debited from your Account",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Direct Debit Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for issuing a bank cheque",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Duplicate and Interim Statement Fee",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each Duplicate and Interim statement issued",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Replacement of Online Banking security credential",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each replacement Online Banking security credential issued",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each Real Time Gross Settlement (RTGS) transaction",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if there are insufficient cleared funds available to cover the value of a direct debit being processed",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Online Banking Security credential",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Fee (overnight)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD"
      },
      {
        "name": "Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each request to perform a trace on any transaction type",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Transaction Fee (international)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      },
      {
        "name": "Bank Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each Bank Audit Certificate issued as part of an audit request",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0325000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Interest paid monthly",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/interest-rates",
        "depositRateType": "VARIABLE"
      }
    ]
  }
}