Bank of Queensland Everyday Account

The Everyday Account has no monthly account keeping fees, spend tracking features and instant payments via PayID.

The Bank of Queensland Everyday Account is a transaction account designed to manage day-to-day spending and receive payments. It has no account keeping fees, free access to 10,000+ ATMs within Australia and allows you to track your spending via the myBOQ mobile app.

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Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameBank of Queensland Everyday Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Expert review

This is a great everyday transaction account for use within Australia, as it has no monthly fees and free access to all Big Four bank ATMs. It also offers PayID and Osko payments, so you can send and receive payments instantly from friends and family with different banks. You can also open this as a joint account which is handy if you’re sharing expenses with someone.

The myBOQ mobile app allows you to see your personal spending insights based on your transactions and set up individual savings goals. You’ll also get a free linked savings account too, so you can earn interest on your money when you’re not using it.

This account does charge international ATM fees and foreign transaction fees, which is something to be aware of if you travel a lot or regularly shop online at international retailers.

Key features

No account keeping fees.

This account has no monthly account keeping fees with no conditions to meet.

Access 10,000+ ATMs within Australia for free.

You can use your Bank of Queensand Visa Debit Card at any CommBank, Westpac, ANZ or NAB ATM within Australia for free.

Free linked savings account

You'll automatically get a linked Bank of Queensland savings account when you open a new Everyday Account. If you're ages 14-35 you'll get a Future Saver Account, and if you're 36 or older you'll get a Smart Saver Account.

These accounts pay bonus interest when you meet the deposit conditions, so you can earn interest on your money.

How to apply

You can apply online in less than 10 minutes. When applying for the Bank of Queensland Everyday Account, you'll receive a Bank of Queensland savings account too if you don't already have one.


  • Minimum age. You must be 14 or older to open this account.
  • Residency. You must have an Australian residential address.

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