---
title: "One Account for Business — 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/20186288-5c03-ee11-8f6e-00224814dce7
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-14T05:47:51Z
---

# One Account for Business — 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**

With our One Account for Business, you will earn a savings rate of interest on your positive balances in your account. Enjoy the convenience of a debit card and access to an optional overdraft to help manage your practice cashflow

## At a glance

- **Base rate:** 0.1%

## Apply

Applications are handled by the provider: [Apply at BOQ Specialist](https://www.boqspecialist.com.au/forms/business-banking-package-form)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Interest may be paid by debiting Your Designated Account on the first day of the month following the debiting of interest, by making deposits individually or in aggregate for an amount greater than the interest charged on your account by the end of the following month, or by capitalising the interest for a period of time (subject to approval).) | 8.7% | — | — |

## 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 |
| 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 |
| Foreign ATM Fee — Charged for each transaction at an ATM outside of Australia. | Withdrawal | $5.00 |
| Optional Overdraft Facility Application Fee — If your Overdraft is approved and established, the Application Fee will be debited from your Account | Upfront | $0.00 |
| Express PIN delivery — Priority handling cost for replacement PIN | Event | $30.00 |
| Replacement of Online Banking security credential — Charged for each replacement Online Banking security credential issued | Replacement | $50.00 |
| GCAS emergency card replacement Fee — Payable and deducted from your card account on issuance of a replacement card outside Australia. | Replacement | USD 175.00 |
| ATM transactions per activity | Withdrawal | Variable |
| Dishonour Fee — Charged if there are insufficient cleared funds available to cover the value of a direct debit being processed | Dishonour | $45.00 |
| Direct Debit Fee | Payment | $0.00 |
| Online Banking Security credential | Replacement | $0.00 |
| Optional Overdraft Facility Application Fee — If your Overdraft is approved and established, the Application Fee will be debited from your Account | Upfront | $495.00 |
| 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 |
| 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 |
| Bank Cheque Fee — Charged for issuing a bank cheque | Event | $10.00 |
| Transaction Fee (overnight) | Transaction | $0.00 |
| Duplicate and Interim Statement Fee — Charged for each Duplicate and Interim statement issued | Enquiry | $5.00 |
| Voucher Retrieval Fee — Payable for each voucher retrieval you request BOQ Specialist to obtain from a relevant merchant. | Event | $10.00 |
| Trace Fee — Charged for each request to perform a trace on any transaction type | Event | $20.00 |

## 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)
- **Overdraft available** (Access to an optional overdraft facility)
- **Digital wallet** — Apple Pay (Easy, fast and secure payments with Apple Pay)
- **Earn a savings rate of interest on your everyday account balance**
- **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)
- **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)
- **Ability to deposit funds over-the-counter at any BOQ and ANZ branch Australia-wide**
- **Integration with accounting software including MYOB, Xero and Banklink, allowing you to easily manage your practice cashflow**
- **Simplify bulk payments with batch debit and credit facilities**
- **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.**
- **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

- **Product is offered to medical, dental, veterinary & accounting professionals only**
- **Business customers**

## More information from BOQ Specialist

- [Overview](https://www.boqspecialist.com.au/practice-finance/business-banking/one-account-business)
- [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: `20186288-5c03-ee11-8f6e-00224814dce7`
- Last updated by the provider: 14 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/boq-specialist/20186288-5c03-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/20186288-5c03-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.

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