---
title: "Private Access 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/81906e88-5c03-ee11-8f6e-00224814d330
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-02T23:13:38Z
---

# Private Access 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 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.

## At a glance

- **Base rate:** 3.25%

## Apply

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

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Interest paid monthly) | 3.25% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Overdrawn Account Fee — Charged if we honour a transaction that overdraws your account | Event | $15.00 |
| Optional Overdraft Facility Application Fee — If your Overdraft is approved and established, the Application Fee will be debited from your Account | Upfront | $0.00 |
| Direct Debit Fee | Payment | $0.00 |
| Bank Cheque Fee — Charged for issuing a bank cheque | Event | $10.00 |
| Duplicate and Interim Statement Fee — Charged for each Duplicate and Interim statement issued | Enquiry | $5.00 |
| Replacement of Online Banking security credential — Charged for each replacement Online Banking security credential issued | Replacement | $50.00 |
| 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 |
| Dishonour Fee — Charged if there are insufficient cleared funds available to cover the value of a direct debit being processed | Dishonour | $45.00 |
| Online Banking Security credential | Replacement | $0.00 |
| Transaction Fee (overnight) | Transaction | $0.00 |
| Trace Fee — Charged for each request to perform a trace on any transaction type | Event | $20.00 |
| 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

- **Bill payment (BPAY)** — BPAY and Pay Anyone (Easily access your funds via online banking and our mobile app including BPAY and Pay Anyone functionality)
- **Digital banking** (Easily access your funds via online banking and our mobile app including BPAY and Pay Anyone functionality)
- **No minimum balance requirements**
- **A savings account with funds available on demand**
- **Competitive interest rate on credit balances**
- **No monthly account keeping fees**
- **Interest calculated daily and paid monthly**

## Eligibility

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

## Constraints

- **Opening balance** — $10,000.00 (While we have the discretion to determine deposit size, we usually accept a minimum deposit of  AUD 10,000.00)

## More information from BOQ Specialist

- [Overview](https://www.boqspecialist.com.au/personal-banking/savings-accounts/private-access)
- [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: `81906e88-5c03-ee11-8f6e-00224814d330`
- Last updated by the provider: 2 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/boq-specialist/81906e88-5c03-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/81906e88-5c03-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.

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)