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info financial results boq has announced its 2016 full year results . watch the webcast discussing the results or read related documents . read more insurance travel insurance flexible travel insurance options for your trip including single family and business travel with fast and efficient claims . read more home and contents insurance offers flood cover as standard for your contents and personal valuables insurance options . read more motor insurance includes comprehensive market value comprehensive agreed value third party property damage and third party property damage plus fire and theft . read more customer assistance are you experiencing financial difficulty if you are concerned about your financial position we might be able to help . read more boq blog20 sep 2016the latest cycling social scene the boq it s possible ride one of the great social scenes of the modern day are groups of men and women traversing our roads on bicycles . read on fgtl19 sep 2016four tips to start your home spring cleanthrow back the curtains fling open the doors and let the sunshine in helen nixon shares her best tips for getting started on your spring clean . read on fgtl19 aug 2016boq chief economist peter munckton australia s 2016 rio olympic gameshave you been wondering where australia will end up on the 2016 rio olympic games medal tally read on fgtlmore from the boq blog online bankinginternet bankinglog oninternet banking statusfeatures of internet bankinginternet banking securitytechnical requirementsfees terms and conditionsfrequently asked questionsmobile bankingboq property apponline applicationsboq moneypersonal bankingeveryday bankingday2day plus accountcash management accountreverse charges account mortgage offset accountpension plus savings accountcompare account featuresapply for an everyday accountvisa debit cardverified by visatoday s ratessavings & investmentwebsavings accountbonus interest savings accountterm deposits premier investmentsaving & investment 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disclaimer products issued by bank of queensland limited abn 32 009 656 740 boq australian credit licence no 244616 . this information is for general information purposes only . fees and charges are payable . full terms and conditions are available at any bank of queensland branch . these may be varied or new terms and conditions introduced in the future . the content on these pages is for information only and is not an offer by the bank to provide the products and services . this website contains general advice . this advice has been prepared without taking account of your objectives financial situation or needs . you should consider the appropriateness of any advice before acting on it . you should obtain and consider the relevant product disclosure statement pds terms and conditions and guide to fees and charges for the product before making any decision about whether to acquire or continue to hold it . you can obtain a copy of those documents from any bank of queensland branch or by contacting us . boq s clear path home loan and economy home loan is available only for new home loans and is not available for refinance of existing boq facilities . bank of queensland limited abn 32 009 656 740 australian credit licence no 244616 boq . full terms and conditions are available at any bank of queensland branch . fees and charges are payable . boq s standard credit assessment criteria apply . interest rates quoted are indicative only and are subject to change without notice . comparison rate calculated on a loan amount of 150 000 for a term of 25 years . these rates are for secured lending only . warning this comparison rate is true only for the examples given and may not include all fees and charges . different terms fees or other loan amounts might result in a different comparison rate . information current as at 31 08 2016 . limited time discount offers available for home loan applications received from 31 august 2016 . minimum 150 000 new lending . offers available for new to bank lending only . not available for the refinance or restructure of existing boq loans construction loans or self managed super fund loans . maximum 80 % lvr . the discount applied under this offer will continue to apply until you request us to vary your loan . full terms and conditions available at any boq branch . fees and charges are payable . boq standard credit assessment criteria applies . information current as at 31 08 2016 . interest rates quoted are indicative only and are subject to change without notice . comparison rate calculated on a loan amount of 150 000 for a term of 25 years . these rates are for secured lending only . warning this comparison rate is true only for the examples given and may not include all fees and charges . different terms fees or other loan amounts might result in a different comparison rate . fees and charges are payable . citigroup s standard credit assessment criteria apply . terms and conditions apply and are available upon request . offers available only to approved new customers . offers not available under the home loan privileges package . q rewards are subject to the bank of queensland q rewards terms and conditions . q rewards points are not earned on cash advances and balance transfers . q rewards points never expire while the card remains open and in good standing . discount variable rate offers only available on new lending with a minimum loan amount of 200 000 . the variable discount is for the life of the loan as long as the loan is retained under a variable business term loan product . discount rate offers are not available to self managed super fund borrowing for the purchase of residential property or on refinance of or an increase to existing boq facilities . interest rates quoted are indicative only and are subject to change without notice . your actual interest rate may vary depending on the size of your loan security being offered and full credit assessment of your application for finance . a margin may also apply . these interest rate offers can not be taken in conjunction with or in addition to any other packages negotiated interest rates or special offers . other fees including other bank atm bank post and international transaction fees and charges may be payable . product issued by bank of queensland limited abn 32 009 656 740 boq . current terms and conditions available at any boq branch . before making a decision consider whether or not this product is appropriate for you . bank of queensland limited abn 32 009 656 740 australian credit licence no 244616 boq . full terms and conditions are available at any bank of queensland branch . fees and charges are payable . boq s standard credit assessment criteria apply . interest rates quoted are indicative only and are subject to change without notice . comparison rate calculated on a loan amount of 30 000 over a term of 5 years . these rates are for secured loans only . fixed interest rates may vary between application and drawdown of the loan . warning this comparison rate applies only to the example or examples given . different amounts and terms will result in different comparison rates . costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan . information current as at 05 09 2016 . offer available to bank of queensland limited abn 32 009 656 740 boq customers . access to the offer is via the boq internet banking portal . neither boq nor any of its related companies accepts any liability for boq customer use of the virgin booking system the virgin carrier service or any related matters concerning travel with virgin australia . fares are on sale from 22 october 2015 until midnight 31 december 2016 unless sold out prior . fares are correct as at 22 october 2015 for travel from 22 october 2015 until 30 june 2017 . all fares are subject to availability and may vary until ticketed . add a booking and service fee of 7.70 per person per booking when using a credit or debit card or paypal . add 35 when booking by phone or at the airport . bookings can be changed cancelled by paying the fee and any applicable fare difference in accordance with the fare rules as published on our website on the day you request your change . for current change and cancel fees see virgin australia s domestic fees page http www.virginaustralia.com au en plan fees surcharges domestic . name changes and refunds are not permitted . a minimum checked baggage allowance of 1 piece up to 23kg applies for saver fares . allowances may increase for silver gold and platinum velocity members and for different fare classes . additional fees will be charged for baggage in excess of the published allowances . for current inclusive baggage allowances and fees for excess baggage see virgin australia s domestic baggage details page . go to www.virginaustralia.com for full terms and conditions . citigroup pty ltd abn