The One Account is a unique transaction account that pays a competitive rate of interest on credit balances as well as giving you access to an optional overdraft facility. There are no ongoing monthly fees and we don't require you to maintain a minimum balance
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 0.10% | Variable | Certain occupations | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/06186288-5c03-ee11-8f6e-00224814dce7- Content hash
sha256 8f2308215c4531d798b148f3bdeb364a1a455b9b81a395c287796dd07a6cbf42- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_8f2308215c4531d7_831ae101Show details
- Checked
- 1 Nov 2026
- URL
https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/06186288-5c03-ee11-8f6e-00224814dce7- Content hash
sha256 8f2308215c4531d798b148f3bdeb364a1a455b9b81a395c287796dd07a6cbf42- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Overdrawn Account Fee | Event | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
| Transaction Fee (overnight) | Transaction | $0.00 |
| Transaction Fee Real Time Gross Settlement (RTGS) - which is a same day payment request | Transaction | $30.00 |
| Duplicate and Interim Statement Fee | Enquiry | $5.00 |
| Express PIN delivery | Event | $30.00 |
| Direct Debit Fee | Payment | $0.00 |
| ATM transactions per activity | Withdrawal | Set in your letter of offer |
| Voucher Retrieval Fee | Event | $10.00 |
| GCAS emergency card replacement Fee | Replacement | $175.00 |
| Bank Audit Certificate | Event | $30.00 |
| Foreign Currency Conversion Fee | Purchase | 2.95% |
| Express card delivery | Event | $40.00 |
| Online Banking Security credential | Replacement | $0.00 |
| Trace Fee | Event | $20.00 |
| Replacement of Online Banking security credential | Replacement | $50.00 |
| Foreign ATM Fee | Withdrawal | $5.00 |
| Transaction Fee (international) | Transaction | $30.00 |
| Optional Overdraft Facility Application Fee | Upfront | $495.00 |
| Dishonour Fee | Dishonour | $45.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Unlimited txns | Free ATM withdrawals at over 2,100 atmx by Armaguard ATMs, as well as all BOQ branch ATMs and the four major banks Australia wide | |
| Bill payment | BPAY and Pay Anyone | Easily access your funds using your Visa debit card, via online banking and our mobile app including BPAY and Pay Anyone functionality |
| Card access | Easy Access | Easily access your funds using your Visa debit card |
| Digital wallet | Google Pay | Easy, fast and secure payments with Google Pay |
| Other | When you become a BOQ Specialist client you will be matched with a dedicated financial specialist who can assist with all of your personal and business banking needs | |
| Overdraft | Access to an optional overdraft facility | |
| Other | Ability to deposit funds over-the-counter at any BOQ or ANZ branch Australia-wide | |
| Other | Earn a savings rate of interest on your everyday account balance | |
| Digital wallet | Apple Pay | Easy, fast and secure payments with Apple Pay |
| Digital banking | Easily access your funds using your Visa debit card, via online banking and our mobile app including BPAY and Pay Anyone functionality | |
| Eligibility: min age | 16 | |
| Eligibility: residency status | Resident or Citizen | |
| Eligibility: other | Product is offered to medical, dental, veterinary & accounting professionals only | |
| Eligibility: natural person |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable | 1 Nov 2026 | Current | 0.10% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
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