One Account
Transaction & Savings AccountsData Sharing Status
The One Account is a unique transaction account that pays a competitive rate of interest on credit balances as well as giving you access to an optional overdraft facility. There are no ongoing monthly fees and we don't require you to maintain a minimum balance
- Base rate
- 0.1%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Interest paid monthly | 0.1% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Overdrawn Account Fee Charged if we honour a transaction that overdraws your account | Event | $15.00 |
| Bank Cheque Fee Charged for issuing a bank cheque | Event | $10.00 |
| Transaction Fee (overnight) | Transaction | $0.00 |
| Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request Payable for each Real Time Gross Settlement (RTGS) transaction | Transaction | $30.00 |
| Duplicate and Interim Statement Fee Charged for each Duplicate and Interim statement issued | Enquiry | $5.00 |
| Express PIN delivery Priority handling cost for replacement PIN | Event | $30.00 |
| Direct Debit Fee | Payment | $0.00 |
Features
- Unlimited transactions
- Free ATM withdrawals at over 2,100 atmx by Armaguard ATMs, as well as all BOQ branch ATMs and the four major banks Australia wide
- Bill payment (BPAY) — BPAY and Pay Anyone
- Easily access your funds using your Visa debit card, via online banking and our mobile app including BPAY and Pay Anyone functionality
- Card access — Easy Access
- Easily access your funds using your Visa debit card
- Digital wallet — Google Pay
- Easy, fast and secure payments with Google Pay
- When you become a BOQ Specialist client you will be matched with a dedicated financial specialist who can assist with all of your personal and business banking needs
- Overdraft available
- Access to an optional overdraft facility
Eligibility
- Minimum age — 16 years
- Residency status — Resident or Citizen
- Product is offered to medical, dental, veterinary & accounting professionals only
- Individuals only
More Information
Published by BOQ Specialist under the Consumer Data Right · Last updated 16 March 2026 · Product ID 06186288-5c03-ee11-8f6e-00224814dce7 · View on CDR.gov.au