BOQ offers many different ways to do your banking.
BOQ bank branches
BOQ has more than 250 bank branches spread across Australia (although the majority of these are in QLD).
BOQ ATM network
BOQ's ATM network includes around 3,000 ATMs in Australia. This includes the rediATM network which BOQ is part of. BOQ customers can also use their Australian debit cards to withdraw cash for free at CommBank, NAB, Westpac and ANZ ATMs throughout Australia.
BOQ Internet and mobile banking
Customers can access the BOQ Internet banking portal 24/7 to review transactions and balances, see more detailed transaction data, pay bills, transfer money between accounts and make BPAY payments. You can also view and download your statements and open new BOQ bank accounts.
The BOQ app is free to download, and has a 1.2 star rating in the App Store and a 2.4 star rating in the Google Play store. You can do your day-to-day digital banking using the app 24/7.
BOQ contactless payment options
BOQ offers Apple Pay, Google Pay and Samsung Pay to customers with a BOQ debit or credit card.
"Bank of Queensland has a fantastic savings interest rate that I've been taking advantage of for years. The small criteria of a deposit and 5 everyday transactions is very easy to meet. At the end of the day, I feel with this account I don't need to jump through hoops to get the best rate."
Dougal Warby
Finder crew member
Pros and cons of banking with BOQ
Pros
Range of accounts. BOQ offers several different savings and bank accounts to choose between, while many other banks only offer one option.
Bonus interest. You can earn bonus interest on your savings every month by meeting the account conditions.
No account keeping fees. BOQ's everyday bank account has no account keeping fees to pay.
Branches and ATMs. BOQ still has hundreds of branches and more than 3000 ATMs.
Cons
Mobile app. The BOQ mobile app has poor star ratings from users.
How to apply for a BOQ account online
You can apply for a new BOQ account online in less than 10 minutes. Just make sure you meet the eligibility criteria and have the necessary documents handy before you start your application.
Eligibility
You're an Australian resident for tax purposes
You have an Australian phone number and residential address
Documentation
Personal details like your name, date of birth, residential address, phone number and email address
ID documents such as your driver's licence, Medicare card, passport or proof-of-age card
If you haven't found what you're looking for yet, you can compare a wide range of additional savings accounts and bank accounts from other providers with Finder.
Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full bio
Alison's expertise
Alison has written 645 Finder guides across topics including:
The Bank of Queensland Superannuation Savings Account gives you a bonus introductory period and the ability to withdraw your SMSF’s savings without restriction.
An offset Account linked to your personal Bank of Queensland home loan gives you access to your savings while they work to reduce your mortgage balance.
With a small nest egg Bank of Queensland allows you to make good progress with your savings goals by providing flexible terms and a competitive interest rate.
Can you accept payments from overseas ie monthly pension?
Finder
AlisonApril 23, 2022Finder
Hi Tony,
Yes, you can make international transfers to BOQ savings and bank accounts. As the receiving bank, please note that fees may apply.
Best,
Alison
karenJanuary 16, 2019
Do you waive atm fees like ING?
Finder
JohnJanuary 17, 2019Finder
Hi Karen,
Thank you for reaching out to Finder.
Currently, Bank of Queensland-operated ATMs are still charging a $2 withdrawal fee to non-bank customers, and the same applies for ATMs operated by Suncorp and credit union BCU. You may want to check our article about banks’ ATM fees. Hope this helps!
Cheers,
Reggie
N@JADecember 8, 2018
Hi ,we are customers of BOQ, can we buy shares in BOQ through the Bank, thank’s Ned
Finder
JohnDecember 12, 2018Finder
Hi N@JA Distefano,
Thank you for reaching out to finder.
The only way to sell your shares is through the Australian Securities Exchange (ASX) using a broker. In case you don’t have your own broker, the ASX website contains useful information on brokers and comprehensive lists to help you choose a broker that best suits your needs. Hope this helps!
Cheers,
Reggie
GregMarch 19, 2018
When will BOQ have Apple pay?
NikkiMarch 23, 2018
Hi Greg!
Thanks for your questions and for visiting finder – a leading comparison website and general information service built to give you advice on your buying decision needs.
Regarding your question, our access to this information is very limited. Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product/service that is rightfully fit for you.
We suggest contacting BAQ’s contact center to ask about this concern.
Thanks and best regards,
Nikki
JohnFebruary 3, 2018
Will my eftpos card work in New Zealand?
Finder
RenchFebruary 14, 2018Finder
Hi John,
Thanks for your inquiry.
Yes, you can use a Visa Bank of Queensland (BOQ) Savings Accounts Debit card overseas, including New Zealand. Your card can be used wherever Visa is accepted.
Cheers,
Rench
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Can you accept payments from overseas ie monthly pension?
Hi Tony,
Yes, you can make international transfers to BOQ savings and bank accounts. As the receiving bank, please note that fees may apply.
Best,
Alison
Do you waive atm fees like ING?
Hi Karen,
Thank you for reaching out to Finder.
Currently, Bank of Queensland-operated ATMs are still charging a $2 withdrawal fee to non-bank customers, and the same applies for ATMs operated by Suncorp and credit union BCU. You may want to check our article about banks’ ATM fees. Hope this helps!
Cheers,
Reggie
Hi ,we are customers of BOQ, can we buy shares in BOQ through the Bank, thank’s Ned
Hi N@JA Distefano,
Thank you for reaching out to finder.
The only way to sell your shares is through the Australian Securities Exchange (ASX) using a broker. In case you don’t have your own broker, the ASX website contains useful information on brokers and comprehensive lists to help you choose a broker that best suits your needs. Hope this helps!
Cheers,
Reggie
When will BOQ have Apple pay?
Hi Greg!
Thanks for your questions and for visiting finder – a leading comparison website and general information service built to give you advice on your buying decision needs.
Regarding your question, our access to this information is very limited. Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product/service that is rightfully fit for you.
We suggest contacting BAQ’s contact center to ask about this concern.
Thanks and best regards,
Nikki
Will my eftpos card work in New Zealand?
Hi John,
Thanks for your inquiry.
Yes, you can use a Visa Bank of Queensland (BOQ) Savings Accounts Debit card overseas, including New Zealand. Your card can be used wherever Visa is accepted.
Cheers,
Rench