Bank of Queensland
Premier Investment Term Deposit
Bank of Queensland · term deposits
Provider last updated this product 2026-10-21.
Go to provider
You'll complete your application on
Bank of Queensland's website. Confirm the rate and fees with them
before applying.
Rewarding you with higher interest on balances over $5,000. Enjoy the security of a fixed rate for your nominated term
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 4.80% | 3 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 5.00% | 6 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 4.90% | 6 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 5.05% | 9 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 5.10% | 12 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 4.75% | 4 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 4.95% | 9 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 4.85% | 4 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 4.85% | 7 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 5.20% | 12 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 4.95% | 7 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 4.70% | 3 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.75% | 1 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 11 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 1.90% | 24 months | daily | 24 - 35 months, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 1.90% | 36 months | daily | 36 - 47 months, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.10% | 7 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 24 months | daily | 24 - 35 months, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.15% | 10 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 1.65% | 11 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | 3 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.80% | 2 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 1.65% | 10 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.10% | 8 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 7 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.10% | 3 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 6 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | 12 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.15% | 11 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 1.90% | 48 months | daily | 48 - 59 months, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | 9 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.15% | 36 months | daily | 36 - 47 months, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 1.75% | 10 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 36 months | daily | 36 - 47 months, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 1.15% | 5 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.15% | 9 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 48 months | daily | 48 - 59 months, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | 10 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | - | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 1.75% | 11 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 4 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.25% | - | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 2.00% | 48 months | daily | $5,000 - $249,999, 48 - 59 months | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 0.05% | - | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 8 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.65% | 1 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | 1 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.10% | 4 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.05% | 2 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.70% | 2 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 0.05% | 5 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid end of term. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid end of term. | ||||||
| FIXED | 0.15% | 48 months | daily | $1,000 - $4,999, 48 - 59 months | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.15% | 12 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 2.00% | 24 months | daily | $5,000 - $249,999, 24 - 35 months | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.08% | 2 months | daily | Term, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 0.05% | 1 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 4.00% | 8 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 1.25% | 5 months | daily | $5,000 - $249,999, Term | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 0.15% | 24 months | daily | 24 - 35 months, $1,000 - $4,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.10% | 6 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account. For terms greater than 12 months we'll pay your interest annually and at the end of the term. | ||||||
| FIXED | 4.10% | 8 months | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.10% | 5 months | daily | $1,000 - $4,999, Term | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
| FIXED | 2.00% | 36 months | daily | 36 - 47 months, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid at the end of the term. | calculated daily |
| Interest is calculated on the daily closing balance of your account and paid at the end of the term. | ||||||
| FIXED | 0.25% | - | daily | Term, $5,000 - $249,999 | Interest is calculated on the daily closing balance of your account and paid monthly. | calculated daily, paid monthly |
| Interest is calculated on the daily closing balance of your account and paid monthly. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Early payout fee | EXIT | $30 | Fee charged for for early redemption |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-17 | 5.05% |
| 2026-09-24 | 2026-10-26 (current) | 5.20% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Easy reinvestment, with automatic rollover at maturity for your choice of term
- Choose how and when you receive interest payments - reinvest or transfer to another bank account
- $1,000 minimum investment amount
- Arrange to reinvest your interest payments or transfer your interest to another account
- Access your funds prior to maturity by providing 31 days prior notice to redeem your account early (an interest adjustment and early payout fee apply)
- All deposits up to $250,000 are protected by the Federal Government's deposit guarantee, so your savings are secure with us
- Choose the length of your term, from just one month
- For monthly interest payments, the applicable interest rate will be the rate listed above less 0.10% p.a.
- Earn higher interest if you deposit $5,000 or more
Who can apply
- min age - 18Eighteen (18) years of age or over
- residency status - Resident or CitizenA citizen or permanent resident of Australia;
- otherQLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold clients' money in trust and hold relevant practicing certificate as legal practitioners or relevant industry license as agents.
- otherNot-for-profit organisations. Not available to Self-Managed Superannuation Funds.
Limits
- min balance - 1000.0000000000Minimum balance
- opening balance - 1000.0000000000Minimum Opening balance
The provider's own documents
- Product overview › (opens in a new tab)
- Terms and conditions › (opens in a new tab)
- Eligibility criteria › (opens in a new tab)
- Fees and pricing › (opens in a new tab)
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-21T04:04:31Z · Product ID: 0b906e88-5c03-ee11-8f6e-00224814d330