I have never used a credit card as useless as this. I got charged extra at maccas. BOQ specialist wants me to go back to maccas and try to get a refund using the receipt. Who keeps a receipt from maccas for 1 month?
Customer service over the phone said the best they can do is cancel/replace my card due to fraud. I have to pay them $35 for dispute process if they deemed merchant is in the right. I have never paid anything for disputing a transaction. For all my past credit cards, anything under $100 is instantly charged back without questi...Read more

I have been a loyal customer of BOQ since 14 years holding with multiple accounts. I for the first time in my life became a victim of cyber crime where I made a purchase on a scam website through my debit card. Just post making the payment i decided to check the websites reviews and to my utter surprise I found out that it was a scam website. I instantly rang on boq's card helpline. I must say I was on hold for at least 30 mins before someone answered. The ivr kept saying report my scammers that you come aware of which sounded promising but as ...Read more

My main gripe with BOQ is their lack of providing information to account holders about interest rates. Other banks that I have dealt with have always advised customers of interest rate changes, but BOQ has never done so in the year I have had an account with them. I check the interest calculation on my account each month, but if there has been an interest rate change I generally need to actually contact them to find out WHEN the rate changed as that information is not even available without asking.
One month I found that the interest they h...Read more

I have banked with numerous banks in my lifetime, but BOQ is a prime candidate for the worst. Like other reviewers I was attracted by the savings account interest rate, but over the past year this has been dramatically eroded. I know that banks are not legislated to inform their customers of rate changes, but it would be a courtesy to send an email and announce the new rates so that it isn't a surprise on the first day of the month when interest is paid. I don't feel a trace of loyalty when I am treated like a fool.

Because of the rate changes...Read more

Another rate drop on the fast track?? No notice of course.

Does boq not want customers or something?

Heratage bank 2.2%!
Macquarie 2.0%!
Rabobank 2.0%!
HSBC 1.75%!

Well BOQ has lost my family as a customer all together we have initiated refinancing our properties with a better smarter money saving bank ...Read more

My experience is almost identical to Adibabi. My wife and I got an account when the interest rates were higher. The interest rates have now dropped, but we're not too concerned about this. Rates are going to change. What is frustrating is the terrible technology and sometimes unhelpful customer service. We could not initially create an account online because my wife's name has a hyphen in it. Fortunately we found a helpful customer service representative who allowed us to print a form, fill it out, take photos of it and email it back. I then fo...Read more

Opened an Online Account 27/5 , Interest Rate advertised was 2.0%.
Received Interest for June on 2nd July, rate had been dropped to 1.85%, AND almost 50% of the Interest was witheld for Tax purposes. I was never asked during the Account Application for any TFNs, and was never advised that there had been a drop in Interest Rate.
No other Banks that I deal with had dropped their Rates !!
This month they have again dropped the Interest Rate to 1.65% !!! The current Interest Rate is not discoverable in the online app.
After they advised the reas...Read more

I switched to BOQ many years ago because I felt they had a more ethical stance when it comes to their investments. However, their internet banking and other technology are so outdated that I ended up switching to another bank so that I could utilise some of the basic services that other banks offer as standard such as pay wave and being able to update my information via the online banking platform. Now, they refuse to close my unused accounts over the phone (after I waited 30 minutes to speak to someone) or via internet banking, insisting that ...Read more

I have been with bank of queensland for many years i had a complaint regarding a charge that wasnt supposed to be there first was told it must have been purchases I made then that my card must be stolen (even though I gave them my card) they cut my card up in front of me while still admit I made the transactions and said they put through a dispute request and sent me a new card a week later I had to call Amazon as no dispute had been raised and had to go back to store as my card had not arrived went in to try find out what is going on and whe...Read more

I have only posted for positive experience before, unfortunately, this is my first negative post.
To backup Prapha who posted here previously, BOQ's ad is misleading or deceptive.
It says "Your account will earn the Base Rate in the month that you open it and any month you don't meet the Bonus Criteria" in the website (https://www.boq.com.au/personal/banking/savings-and-term-deposits/fast-track-saver-account).
I opened the accounts (Day2Day Plus & Fast Track Saver Account) in April and deposited funds to meet the bonus criteria expecting to ear...Read more