Bank of Queensland Future Saver Account (14-35 year olds)

The Future Saver Account has a high ongoing bonus rate of 2% p.a on balances up to $50,000 for customers under 35.

This savings account offers a competitive total bonus rate of 2% p.a.for customers aged 14-35 when the monthly criteria is met. To earn this rate you need to deposit $1000 a month and make 5 or more eligible purchases from your linked Bank of Queensland Everyday Account.

No reviews yet. Write a review

2.00% p.a.

Maximum variable rate


Base interest rate


Minimum deposit

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameBank of Queensland Future Saver Account - 14 to 35 years
Maximum Variable Rate2.00% p.a.
Standard Variable Rate0.05% p.a.
Monthly Account Fee$0
Minimum Age14

Expert review

This is one of the best bonus rates available on the market if you’re aged between 14 and 35. Compared to other young adult savings accounts with similar rates, the monthly conditions aren’t too complicated either.

You do need to deposit $1000 a month, so make sure this is something you can realistically do monthly before choosing this account. Otherwise you’ll only earn the standard rate which is very low.

The total bonus rate is available on balances up to $50,000, which is higher than other young adult savings accounts too. If your balance is above this it’ll earn a slightly lower bonus rate instead.

Key features

Ongoing bonus rate up to 2% p.a.

This account offers a competitive ongoing bonus rate of up to 2% for customers aged 14-35. To earn the full bonus rate you need to:

  • Deposit at least $1,000 into your linked Bank of Queensland Everyday Account each month
  • Make at least 5 eligible transactions from your Everyday Account each month

If you're aged 14-17 there's no monthly criteria to meet.

If you don't meet the account conditions one month you'll only earn the standard variable rate of 0.05% p.a that month. The bonus rate is available on balances up to $50,000.

Are you over 35?

If you're over 35 you can open the Bank of Queensland Smart Saver Account instead, which offers an ongoing bonus rate of up to 0.8% p.a. The monthly criteria for this account are the same as the Future Saver Account (stated above).

Launch savings calculator

How to apply

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


  • Minimum age. You must be between 14-35 years old.
  • Residency. You must have an Australian residential address.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site