Thumbnail icon for Bank of Queensland

Bank of Queensland Day2Day Plus Account

Account fee
$0.00
Payment options
Samsung Pay
Interest rate
0% p.a.

Mozo editorial review Bank of Queensland Day2Day Plus Account

Last updated: 23 July 2020.

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What's hot
  • Unlimited free transactions
  • No ongoing account fees
  • Samsung Pay
What's not
  • $5 overseas ATM fee
Mozo snapshot

The Day2Day Plus Account is an everyday transaction account by the Bank of Queensland that will cover all your day-to-day banking needs at no expense to your account balance. They have an array of free and unlimited withdrawal options to make your banking experience personalised to your needs.

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Key features

The best part about the Bank of Queensland Day2Day Plus Account is that it will cost you absolutely nothing to own and maintain as there are no account keeping fees. There's also unlimited free transactions over the internet, phone or from the nearest Bank of Queensland branch.

On top of this, you'll also get free withdrawals from Bank of Queensland and Redi ATM networks, so you should never have to wander far to withdraw cash. And with a Visa Debit Card connected to the account, you'll be able to pay by card for purchases anywhere that Visa is accepted.

Just remember that there is a $1,000 daily ATM withdrawal limit that could leave you with a challenge if you unexpectedly need to spend up big, but you can always visit a branch to withdraw extra cash if need be.

Speaking of going over the limit, the Bank of Queensland Day2Day Plus Account offers a personal overdraft facility should you ever find yourself in need of extra funds - but keep in mind that you'll need to assessed for eligibility to gain access to this feature.

You can use your BOQ ATM debit card overseas but you'll be charged a 3.00% foreign exchange commission. Not to mention, to use an ATM while you're overseas it'll cost you $5.

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Who is it good for

This account will suit most Aussies who are looking for a convenient everyday bank account to cover their day-to-day banking needs. As there are no over the counter withdrawal fees with this account it would also be highly suitable for anyone who likes to do their banking in-branch rather than online or via ATMs.

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Any catches

Like most everyday transaction accounts, you won't earn any interest on your money with the BOQ Day2Day Plus Account, so it's best to keep the majority of your cash in a high-interest savings account and use internet banking to transfer it across as you need. 

There is a $3 fee for Bank@Post withdrawals from this account, so you'd be better off withdrawing cash from a BOQ or rediATM or when you are out doing your shopping.

Details

Rates and fees information correct as at 23 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Balances from $0: 0.00% p.a.

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • Unlimited free transactions from network ATMs, EFTPOS, cheque, counter withdrawals, counter deposits, internet and Visa Debit

  • $0.00

  • BoQ, rediATM

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $0.00

  • $5.00

  • 3.00%

  • $0.00 monthly

Other financial bits
  • $1.00

  • $0.00

Features
  • $1,000.00

  • no

  • no

  • yes

  • yes

  • yes

  • yes

  • no

  • $3 fee applies for Bank@Post withdrawals.

  • none

Atm card
  • none

  • none

  • none

Debit card
  • $5.00

  • $0.00

  • 3.00%

Payment options

Samsung Pay

Customer Reviews

How are Bank of Queensland bank accounts rated by the Mozo community?

Overall
8.0/10
Price
7.4/10
Features
6.9/10
Customer service
8.2/10
Convenience
7.9/10
Trust
8.1/10

Latest reviews of Bank of Queensland Day2Day Plus Account

  • Overall 8/10
    Great product and bank but cumbersome criteria.

    Love the bank and professional and courteous staff. My only gripe with the product is tracking the eftpos and direct debit entries during the month to ensure I qualify for interest on the savings accounts, its easy to forget to do this.

    Read full review

    Love the bank and professional and courteous staff. My only gripe with the product is tracking the eftpos and direct debit entries during the month to ensure I qualify for interest on the savings accounts, its easy to forget to do this.

    Price
    8/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Evelyn, Queensland reviewed about 5 hours ago
  • Overall 3/10
    BOQ is worst bank for technology

    BOQ are still in the dark ages when it comes to technology. You can’t do anything in their app, the online banking website looks like it’s 20 years old and the still don’t have Apple Pay. The only good thing is the decent interest rate on their savings account for under 24’s.

    Read full review

    BOQ are still in the dark ages when it comes to technology. You can’t do anything in their app, the online banking website looks like it’s 20 years old and the still don’t have Apple Pay. The only good thing is the decent interest rate on their savings account for under 24’s.

    Price
    9/10
    Features
    1/10
    Customer service
    8/10
    Convenience
    1/10
    Trust
    -1/10
    Less
    Isabelle, New South Wales reviewed 8 days ago
  • Overall 3/10
    Bad.

    Terrible bank, no features to help people with accounts. Bad app, very few branches.

    Read full review

    Terrible bank, no features to help people with accounts. Bad app, very few branches.

    Price
    6/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    3/10
    Trust
    8/10
    Less
    Slade, New South Wales reviewed 28 days ago
  • Overall 10/10
    Very happy

    The B.O.Q is faltless with our banking requirements.

    Read full review

    The B.O.Q is faltless with our banking requirements.

    Price
    8/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jeff, Queensland reviewed 29 days ago
  • Overall 9/10
    Great Service. Local people.

    Always great service. Locally owned.

    Read full review

    Always great service. Locally owned.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Tina, Queensland reviewed about 1 month ago
Bank of Queensland

About Bank of Queensland

Bank of Queensland is Australia's fastest growing retail bank, and has come a long way from its origins as a regional Queensland bank. BOQ today boasts a wide array of banking services and 200 branches around Australia. Bank of Queensland aims to give you greater control over the management of your finances and offers everyday banking products including credit cards, home loans, term deposits, savings accounts and bank accounts.

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