--- title: "One Account — BOQ Specialist" description: "Transaction & Savings Accounts from BOQ Specialist. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/boq-specialist/products/06186288-5c03-ee11-8f6e-00224814dce7 source: "CDR Compare" language: en-AU last_updated: 2026-03-16T04:47:22Z --- # One Account — BOQ Specialist > Transaction & Savings Accounts from BOQ Specialist. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts** 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 ## At a glance - **Base rate:** 0.1% ## Apply Applications are handled by the provider: [Apply at BOQ Specialist](https://www.boqspecialist.com.au/forms/one-account) ## 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 | | ATM transactions per activity | Withdrawal | Variable | | Voucher Retrieval Fee — Payable for each voucher retrieval you request BOQ Specialist to obtain from a relevant merchant. | Event | $10.00 | | GCAS emergency card replacement Fee — Payable and deducted from your card account on issuance of a replacement card outside Australia. | Replacement | USD 175.00 | | Bank Audit Certificate — Charged for each Bank Audit Certificate issued as part of an audit request | Event | $30.00 | | Foreign Currency Conversion Fee — Payable when you make a transaction on your card account in a currency other than Australian dollars, or you make a transaction on your card account in any currency (including AUD) that is processed by the card scheme or billed by the merchant outside Australia. 1.0% of the total amount of each such transaction is payable to Visa as a currency conversion charge and the remaining 1.95% of the total amount of each such transaction is an administration fee payable to BOQ Specialist. | Purchase | 2.95% of transaction | | Express card delivery — Priority handling cost for replacement Card | Event | $40.00 | | Online Banking Security credential | Replacement | $0.00 | | Trace Fee — Charged for each request to perform a trace on any transaction type | Event | $20.00 | | Replacement of Online Banking security credential — Charged for each replacement Online Banking security credential issued | Replacement | $50.00 | | Foreign ATM Fee — Charged for each transaction at an ATM outside of Australia. | Withdrawal | $5.00 | | Transaction Fee (international) — 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. | Transaction | $30.00 | | Optional Overdraft Facility Application Fee — If your Overdraft is approved and established, the Application Fee will be debited from your Account · Discount −$445.00 — BOQ Specialist Student Banking Package (eligibility: Students: Part of BOQ Specialist Student Banking Package) · Discount −$445.00 — BOQS Staff discount (eligibility: Staff only) | Upfront | $495.00 | | Dishonour Fee — Charged if there are insufficient cleared funds available to cover the value of a direct debit being processed | Dishonour | $45.00 | ## 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) - **Ability to deposit funds over-the-counter at any BOQ or ANZ branch Australia-wide** - **Earn a savings rate of interest on your everyday account balance** - **Digital wallet** — Apple Pay (Easy, fast and secure payments with Apple Pay) - **Digital banking** (Easily access your funds using your Visa debit card, via online banking and our mobile app including BPAY and Pay Anyone functionality) ## Eligibility - **Minimum age** — 16 years - **Residency status** — Resident or Citizen - **Product is offered to medical, dental, veterinary & accounting professionals only** - **Individuals only** ## More information from BOQ Specialist - [Overview](https://www.boqspecialist.com.au/personal-banking/bank-accounts/one-account) - [Terms & conditions](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) - [Eligibility](https://www.boqspecialist.com.au/about) - [Fees & pricing](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) ## Data provenance - Published by BOQ Specialist under the Consumer Data Right - Product ID: `06186288-5c03-ee11-8f6e-00224814dce7` - Last updated by the provider: 16 March 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/boq-specialist/06186288-5c03-ee11-8f6e-00224814dce7 - Provider page: https://www.cdrcompare.au/brands/boq-specialist - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000242 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/boq-specialist/products/06186288-5c03-ee11-8f6e-00224814dce7) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)