BOQ Specialist
Term Deposit
BOQ Specialist · term deposits
Provider last updated this product 2026-09-21.
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You'll complete your application on
BOQ Specialist's website. Confirm the rate and fees with them
before applying.
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
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 5.05% | 4 months | daily | Term, $1,000 - $100,000,000 | Interest paid annually | calculated daily |
| Interest paid annually | ||||||
| FIXED | 5.30% | 12 months | daily | 12 - 12 months, $1,000 - $100,000,000 | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 5.15% | 6 months | daily | Term, $1,000 - $100,000,000 | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 5.00% | 3 months | daily | Term, $1,000 - $100,000,000 | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 4.10% | 1 months | daily | Term, $1,000 - $100,000,000 | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 3.50% | 36 months | daily | 36 - 36 months, $1,000 - $100,000,000 | Interest paid annually | calculated daily, paid annually |
| Interest paid annually | ||||||
| FIXED | 3.50% | 60 months | daily | 60 - 60 months, $1,000 - $100,000,000 | Interest paid annually | calculated daily, paid annually |
| Interest paid annually | ||||||
| FIXED | 5.15% | 9 months | daily | Term, $1,000 - $100,000,000 | Interest paid annually | calculated daily |
| Interest paid annually | ||||||
| FIXED | 3.50% | 24 months | daily | 24 - 24 months, $1,000 - $100,000,000 | Interest paid at maturity | calculated daily, paid annually |
| Interest paid at maturity | ||||||
| FIXED | 3.50% | 48 months | daily | 48 - 48 months, $1,000 - $100,000,000 | Interest paid at maturity | calculated daily, paid annually |
| Interest paid at maturity | ||||||
| FIXED | 4.20% | 2 months | daily | Term, $1,000 - $100,000,000 | Interest paid annually | calculated daily |
| Interest paid annually | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request | TRANSACTION | $30 | Payable for each Real Time Gross Settlement (RTGS) transaction |
| Duplicate and Interim Statement Fee | ENQUIRY | $5 | Charged for each Duplicate and Interim statement issued |
| Trace Fee | EVENT | $20 | Charged for each request to perform a trace on any transaction type |
| Replacement of Online Banking security credential | REPLACEMENT | $50 | Charged for each replacement Online Banking security credential issued |
| Dishonour Fee | DISHONOUR | $45 | Charged if there is insufficient cleared funds available to cover the value of a direct debit being processed |
| Direct Debit Fee | PAYMENT | $0 | - |
| Transaction Fee (overnight) | TRANSACTION | $0 | - |
| Online Banking Security credential | REPLACEMENT | $0 | - |
| Transaction Fee (international) | TRANSACTION | $30 | 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. |
| Bank Audit Certificate | EVENT | $30 | Charged for each Bank Audit Certificate issued as part of an audit request |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-17 | 5.20% |
| 2026-09-24 | 2026-09-30 (current) | 5.30% |
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
- 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
Who can apply
- residency status - Resident or Citizen
- min age - 18
- otherExclusively available to medical professionals and accountants
Limits
- opening balance - 1000.0000000000While we have the discretion to determine deposit size, we usually accept a minimum deposit of AUD 1,000.00
The provider's own documents
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: 2026-09-21T00:19:38Z · Product ID: 78906e88-5c03-ee11-8f6e-00224814d330