{
  "brand": "BOQ Specialist",
  "brand_label": "BOQ Specialist",
  "brand_slug": "boq-specialist",
  "legal_entity_abn": "32009656740",
  "public_base_uri": "https://api.cds.boqspecialist.com.au",
  "logo_uri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/logos/BOQSpecialist_H_CMYK.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-04T20:55:51Z",
  "at_a_glance": {
    "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
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      {"segment":"personal","kind":"intro","rate_pct":4.95,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true},
      {"segment":"smsf","kind":"ongoing","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true},
      {"segment":"smsf","kind":"intro","rate_pct":4.95,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true},
      {"segment":"smsf","kind":"base","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true},
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      {"segment":"business","kind":"base","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":0.95,"intro_months":5,"product_label":"32 Day Notice Account","account_type":"notice","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","notice"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "32 days' notice to withdraw",
        "Product is offered to medical, dental, veterinary & accounting professionals only",
        "advance notice product",
        "for medical, dental, veterinary or accounting professionals and their associates and suppliers",
        "the 4.95% rate is for new customers who have not held a 32 Day Notice Account and open one between 9 October and 30 November 2026",
        "no minimum balance applies",
        "also open to self-managed super funds (SMSFs) and businesses: the bank's own words are \"be an Australian registered corporation or association, or be a trustee of an Australian discretionary, statutory, superannuation, unit or hybrid trust\""
      ]
    },
    "unranked": {
      "products": 2,
      "transaction_account": 2
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
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      "product_label": "32 Day Notice Account",
      "product_slug": "32-day-notice-account",
      "page": "/au/finance/savings-accounts/accounts/boq-specialist/32-day-notice-account/",
      "product_url": "https://www.boqspecialist.com.au/personal-banking/savings-accounts/notice-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf",
      "fees_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/bank-accounts/one-account/terms-and-conditions/BOQS001377-Transaction-and-savings-accounts-overdraft-facility-terms-and-conditions.pdf",
      "eligibility_url": "https://www.boqspecialist.com.au/about",
      "account_type": "notice",
      "segments": [
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      ],
      "segment": "personal",
      "description": "If you need more frequent access to your savings, our notice account features a competitive interest rate, that is calculated on the daily closing credit balance of your account and paid monthly, and gives you access to your money after providing 32 days’ notice. A good choice for you if you are sa…",
      "bonus_is_total": null,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": 5,
      "intro_conditions": [
        "0.95% p.a. introductory bonus rate on the 32 Day Notice Account for eligible new-to-bank customers who open a new 32 Day Notice Account during the promotional…"
      ],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
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        },
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        }
      },
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        {
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        {
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        {
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        {
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        {
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      "bank_last_updated": "2026-10-21T04:46:57Z",
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      "terms_scan": {
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        "documents": [
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    },
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      "record_stale": false,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/20186288-5c03-ee11-8f6e-00224814dce7",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/boq-specialist/20186288-5c03-ee11-8f6e-00224814dce7.json",
      "bank_last_updated": "2026-11-04T20:55:51Z",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 0.1,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": false,
      "unranked_reason": "transaction_account"
    }
  ],
  "licence_shared_with": [
    "BOQ",
    "DDH Graham",
    "ME Bank",
    "Virgin Money"
  ],
  "guarantee": {
    "adi": "Bank of Queensland Limited",
    "abn": "32009656740",
    "shares_limit_with": [
      {
        "brand_slug": "bank-of-queensland-limited",
        "brand_label": "BOQ"
      },
      {
        "brand_slug": "me-bank-me-go",
        "brand_label": "ME Bank"
      }
    ],
    "may_share_limit_with": [
      {
        "brand_slug": "virgin-money",
        "brand_label": "Virgin Money"
      }
    ],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}
