Personal banking| Designed for professionals| BOQ Specialist

Explore our personal banking products

Rewards and benefits

We’ve been helping doctors, dentists, vets and accounting professionals with their banking needs for over 30 years. Here’s what we’ll deliver for you.

We understand you and your business

Not only do we understand your practice finance requirements, but your personal financial goals as well.

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All your banking in one place

Banking is easier when it’s all under one roof. Start with a bank account, add other products as you need, including high interest accounts and loans.

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Smart rates, zero fees, real rewards

With fee-free accounts, competitive loans and rewarding credit cards, we’re here to help your money work harder (and stay with you).

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Rates

These are the current interest rates for our AUD savings and everyday bank account. Contact our specialists for more information on other products. {sub-heading}

Everyday bank accounts

Interest rate

Details

One Account

0.30% p.a. variable

Interest paid monthly

High interest bank accounts

Interest rate

Details

Private Access Account

2.75% p.a. variable

Interest paid monthly

32 Day Notice Account

3.75% p.a. variable

Interest paid monthly

More ways we can help

From personal banking to business solutions, we offer a range of products to support the way you work.

Practice finance

When it comes to finance for your practice, our expert team offers solutions that are tailored to your business.

Expert advice

on commercial property and practice purchase loans, asset and equipment finance.

Enquire now

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Online banking

Access your banking anywhere, anytime. Manage your accounts, view multiple entities and take care of your business banking needs.

24/7 access

via online banking and the BOQ Specialist app

Apply now

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Frequently asked questions

If you can’t find the answer to your question here, our financial specialists are happy to help.

Talk to a financial specialist

What bank account types are available at BOQ Specialist?

BOQ Specialist offers a broad suite of bank account products designed for different goals. Choose from everyday transaction accounts like the Everyday Plus Account, which earns Qantas or Velocity points on balances, or the One Account, an interest‑bearing account also offering optional overdraft. We also offer high interest bank accounts via our savings products such as the 32 Day Notice Account or Private Access savings. Each bank account is fee-free, flexible, and supported with online or in-branch access.

What are the advantages of doing my personal banking with BOQ Specialist?

BOQ Specialist is not a one-size-fits-all bank. We work with professionals in medical, dental and veterinary fields, meaning we understand your financial needs and time constraints. Whether you're opening a bank account, applying for a credit card, or exploring high interest bank accounts, you’ll deal with a specialist team who knows your career lifecycle. We offer no-fee accounts, tailored banking solutions, and online account access, all backed by a relationship-based approach and decades of experience supporting professionals like you.

Can I access my credit card and loan details in the same place as my bank account?

Yes. BOQ Specialist’s digital banking platform allows you to view and manage your bank account, credit card, and loan accounts all in one place. This includes making repayments, viewing balances, transferring funds, and downloading statements. Whether you're using our mobile app or online banking, you'll have real-time visibility and control, plus the confidence of knowing your accounts are all connected and supported by our expert service team.

Does BOQ Specialist offer personal loans?

Yes. We offer personal loans tailored to professionals, with competitive interest rates and flexible repayment options. Whether you're consolidating debt, upgrading your car or covering the costs of further study, our loans are structured to support your financial goals. You can make additional repayments without penalty, and funds can be transferred directly into your BOQ Specialist bank account for easy access and tracking. The application process is straightforward and guided by a specialist team that understands your profession.

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