{
  "_id": "review.boq-smart-saver",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "Rate has fallen meaningfully behind sector leaders over the past 12 months"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "32009656740",
    "bankingDetails": {
      "afslLicence": "AFSL 244616",
      "bonusRate": 4.15,
      "features": [
        "Regional Queensland heritage",
        "Owner-managed branches",
        "Bonus rate requires deposit + 5 transactions"
      ],
      "minimumDeposit": 0,
      "monthlyFee": 0,
      "productType": "savings"
    },
    "foundedYear": 1874,
    "name": "BoQ Smart Saver",
    "regulator": "AFSL 244616",
    "slug": {
      "_type": "slug",
      "current": "boq-smart-saver"
    },
    "vertical": "au-banks",
    "website": "https://www.boq.com.au/personal/everyday-banking/savings-accounts"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "Most BoQ branches are franchises owned by a local manager who builds the customer book. Service is generally more personal than a Big Four branch, particularly for SMBs.",
      "heading": "Owner-managed branch model"
    },
    {
      "body": "BoQ's savings rate has slipped 30-50 bps versus leaders over the past year. Acceptable if the branch relationship is valued.",
      "heading": "Rate trajectory is the concern"
    },
    {
      "body": "APRA-regulated authorised deposit-taking institution. Deposits FCS-protected to $250k.",
      "heading": "AFSL 244616 — Bank of Queensland"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Savings Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 3.7,
  "pros": [
    "Local owner-managed branches in regional Queensland — meaningful for service-heavy customers"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Regional Queensland challenger with a competitive but no-longer-leading rate. Owner-managed branches differentiate.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "boq-smart-saver"
  },
  "status": "published",
  "title": "BoQ Smart Saver — savings account review"
}