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Balances from $0: 0.05% p.a. |
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Balances from $0: 5.00% p.a. |
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Ongoing bonus rate applied if in the previous month $1,000 or more is credited to the linked Everyday Account and 5 eligible transactions are made by the linked account. |
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$0.00 |
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n/a |
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Unlimited free transactions from branch withdrawal, branch deposit, internet. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
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n/a |
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$1.00 |
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$1.00 |
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Monthly |
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no |
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n/a |
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no |
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no |
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no |
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yes |
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no |
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no |
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no |
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yes |
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no |
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none |
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none |
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none |
Bank of Queensland Smart Saver Account and linked Everyday Account. Was easy to signup, up and verify using the new app - took me approximately 10 minutes to do so. I have never used a banking app before, just online banking with the website, so this was a leap of faith... I have had no problems with the app since joining in June. The debit card linked to the Everyday account arrived within a few weeks. Easy to set pin via the app. Been able to send /receive/transfer money ok in and out, with no problems. Pros - The interest rate is good and I like how you can see within the app exactly how much interest earned so far (for last year/this year, with the amount updated daily for this year). - Can easily see in the app if you have met the conditions and if the bonus rate is activated next month - so no guesswork. - Can see in the app WHAT the current interest rate is (you are not notified if it is changed, but you can check yourself when viewing account details for the saver account what the base/bonus rate currently is - as of 20 Aug 22, it is 2.85%) Cons: - Branch staff is unable to help yet (no access to that platform), so any problems you will have to ring a specific phone number. Would be happier to go into my local branch if I ever have any problems with it, then hang about on a phone. It- Only available as an app, would prefer if this new platform could also be a website login as well. (like Ubank does) - No physical token or app generator for a token .... security only seems to be a verification code sent to your text number. - Can generate an interim statement OK for each account, but would prefer the option to choose how often I get statements for each account(monthly, quarterly etc). Haven't had one yet since joining (mid-June), so not sure when the regular statements are generated (maybe 6 monthly ?)
Read full reviewBank of Queensland Smart Saver Account and linked Everyday Account. Was easy to signup, up and verify using the new app - took me approximately 10 minutes to do so. I have never used a banking app before, just online banking with the website, so this was a leap of faith... I have had no problems with the app since joining in June. The debit card linked to the Everyday account arrived within a few weeks. Easy to set pin via the app. Been able to send /receive/transfer money ok in and out, with no problems. Pros - The interest rate is good and I like how you can see within the app exactly how much interest earned so far (for last year/this year, with the amount updated daily for this year). - Can easily see in the app if you have met the conditions and if the bonus rate is activated next month - so no guesswork. - Can see in the app WHAT the current interest rate is (you are not notified if it is changed, but you can check yourself when viewing account details for the saver account what the base/bonus rate currently is - as of 20 Aug 22, it is 2.85%) Cons: - Branch staff is unable to help yet (no access to that platform), so any problems you will have to ring a specific phone number. Would be happier to go into my local branch if I ever have any problems with it, then hang about on a phone. It- Only available as an app, would prefer if this new platform could also be a website login as well. (like Ubank does) - No physical token or app generator for a token .... security only seems to be a verification code sent to your text number. - Can generate an interim statement OK for each account, but would prefer the option to choose how often I get statements for each account(monthly, quarterly etc). Haven't had one yet since joining (mid-June), so not sure when the regular statements are generated (maybe 6 monthly ?)
Great rate. But if you have any issue, good luck in getting support! I never receive the atm card and when I called the helpline (multiple times), i gave up each time after still on hold after 30min. I did get through once but was told this Smart Saver is a different product support by different team and they put me through to another number which I gave up after 30min of listening to on hold music.
Read full reviewGreat rate. But if you have any issue, good luck in getting support! I never receive the atm card and when I called the helpline (multiple times), i gave up each time after still on hold after 30min. I did get through once but was told this Smart Saver is a different product support by different team and they put me through to another number which I gave up after 30min of listening to on hold music.
I find everything quite effortless & smooth & serviceful.
Read full reviewI find everything quite effortless & smooth & serviceful.
Corporate Account
Read full reviewHad a great interest rate right when we needed to save for a house.
Read full reviewHad a great interest rate right when we needed to save for a house.
Savings Account
5.35% p.a. (for $0 to $250,000)
4.75% p.a.(for $0 to $1,000,000)
Yes up to $250,000
Savings Maximiser
5.50% p.a. (for $0 to $100,000)
0.55% p.a.(for $0 and over)
Yes up to $250,000
Savings Accelerator
3.55% p.a. (for $0 to $50,000)
2.85% p.a.(for $0 to $50,000)
Yes up to $250,000
Life - 18-29 years old
5.20% p.a. (for $0 to $30,000)
1.85% p.a.(for $0 and over)
Yes up to $250,000
Bonus Saver Account
5.00% p.a. (for $0 to $250,000)
0.05% p.a.(for $0 and over)
Yes up to $250,000
Savings Account
5.35% p.a. (for $0 to $250,000)
Yes up to $250,000
4.75% p.a.(for $0 to $1,000,000)
Savings Maximiser
5.50% p.a. (for $0 to $100,000)
Yes up to $250,000
0.55% p.a.(for $0 and over)
Bonus Saver Account
5.00% p.a. (for $0 to $250,000)
Yes up to $250,000
0.05% p.a.(for $0 and over)
Life - 18-29 years old
5.20% p.a. (for $0 to $30,000)
Yes up to $250,000
1.85% p.a.(for $0 and over)
Savings Accelerator
3.55% p.a. (for $0 to $50,000)
Yes up to $250,000
2.85% p.a.(for $0 to $50,000)
Ziggy Kids Saver
0.01% p.a.(for $0 and over)
3.01% p.a. (for $0 and over)
Yes up to $250,000
Progress Saver
0.01% p.a.(for $0 and over)
4.25% p.a. (for $0 and over)
Yes up to $250,000
