---
title: "Term Deposit — BOQ Specialist"
description: "Term Deposits 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/78906e88-5c03-ee11-8f6e-00224814d330
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-07T04:18:37Z
---

# Term Deposit — BOQ Specialist

> Term Deposits from BOQ Specialist. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits**

Looking for a dependable yield from your income or hard earned savings? Then a BOQ Specialist fixed term deposit could be an option to consider

## At a glance

- **Fixed rate:** 5.2% (1 year)

## Apply

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

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 30 days (Interest paid at maturity) | 4.1% | Term 30 days; Amount $1,000–$100,000,000 | at maturity |
| Fixed · 3 years (Interest paid annually) | 3.5% | Term 36 months; Amount $1,000–$100,000,000 | yearly |
| Fixed · 5 years (Interest paid annually) | 3.5% | Term 60 months; Amount $1,000–$100,000,000 | yearly |
| Fixed · 180 days (Interest paid at maturity) | 5.1% | Term 180 days; Amount $1,000–$100,000,000 | at maturity |
| Fixed · 90 days (Interest paid at maturity) | 4.8% | Term 90 days; Amount $1,000–$100,000,000 | at maturity |
| Fixed · 120 days (Interest paid annually) | 4.85% | Term 120 days; Amount $1,000–$100,000,000 | at maturity |
| Fixed · 270 days (Interest paid annually) | 5.15% | Term 270 days; Amount $1,000–$100,000,000 | at maturity |
| Fixed · 2 years (Interest paid at maturity) | 3.5% | Term 24 months; Amount $1,000–$100,000,000 | yearly |
| Fixed · 4 years (Interest paid at maturity) | 3.5% | Term 48 months; Amount $1,000–$100,000,000 | yearly |
| Fixed · 60 days (Interest paid annually) | 4.2% | Term 60 days; Amount $1,000–$100,000,000 | at maturity |
| Fixed · 1 year (Interest paid at maturity) | 5.2% | Term 12 months; Amount $1,000–$100,000,000 | at maturity |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| 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 |
| Dishonour Fee — Charged if there is insufficient cleared funds available to cover the value of a direct debit being processed | Dishonour | $45.00 |
| Direct Debit Fee | Payment | $0.00 |
| Transaction Fee (overnight) | Transaction | $0.00 |
| Online Banking Security credential | Replacement | $0.00 |
| 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 |
| Bank Audit Certificate — Charged for each Bank Audit Certificate issued as part of an audit request | Event | $30.00 |

## Features

- **24/7 service with our Client Service Centre**
- **Flexible terms ranging from 30 days to 5 years**
- **Flexibility to re-invest, add extra money or withdraw at the end of the term**
- **Consistently competitive ongoing term deposit interest rates on new funds and rollovers**
- **No establishment or account keeping fees**
- **Digital banking** (Manage your own term deposit prior to maturity via online banking)

## Eligibility

- **Residency status** — Resident or Citizen
- **Minimum age** — 18 years
- **Exclusively available to medical professionals and accountants**

## Constraints

- **Opening balance** — $1,000.00 (While we have the discretion to determine deposit size, we usually accept a minimum deposit of AUD 1,000.00)

## More information from BOQ Specialist

- [Overview](https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits)
- [Terms & conditions](https://www.boqspecialist.com.au/personal-banking/savings-accounts/term-deposits)
- [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: `78906e88-5c03-ee11-8f6e-00224814d330`
- Last updated by the provider: 7 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330
- 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/78906e88-5c03-ee11-8f6e-00224814d330) — 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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