Savings account rates › IMB Bank
Reward Saver Kick Start
IMB Bank
CDR officialNot ranked in rate tables
Kick Start your savings with the IMB Reward Saver Kick Start Account. Designed for teens and young adults under 30.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 2.15% | Bonus · $0–$100,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 3.45% | Bonus · $0–$100,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 0.00% | Bonus · $100,000 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 0.00% | Bonus · $1,000,000 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 0.00% | Variable · $0–$100,000 | Bonus conditions are described in the lender's own words; see the lender's page Pensioners | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-22-2- Content hash
sha256 d4bede769ec87f45ec71f880fa2e0ddc68f8b6613d19906a0bc445e29f990f1a- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_d4bede769ec87f45_01c8cd04Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-22-2- Content hash
sha256 d4bede769ec87f45ec71f880fa2e0ddc68f8b6613d19906a0bc445e29f990f1a- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Special clearance on cheques | Event | $16.00 |
| Phone Banking - Operator Assisted – Purchase Financial Institution Cheque | Withdrawal | $6.00 |
| Phone Banking - Operator Assisted – Cheque bill payments | Withdrawal | $6.00 |
| Phone Banking - Operator Assisted - All other financial transactions | Transaction | $0.50 |
| Visa Debit Card - EFTPOS transaction, cash-out & decline | Transaction | $0.85 |
| Visa Debit Card - International purchase | Purchase | 2.50% |
| Visa Debit Card - Cash advances (domestic & international) | Cash advance | 2.50% |
| Cashcard - EFTPOS transaction, cash-out & decline | Transaction | $0.85 |
| IMB ATM - Cheque deposit | Deposit | $1.00 |
| IMB ATM - ATM withdrawal (including Visa Debit Card) | Withdrawal | $0.70 |
| IMB ATM - balance enquiry or failed transaction | Transaction | $0.25 |
| IMB ATM - Transfer to an IMB Account | Transaction | $0.25 |
| Other ATM - International ATM | Transaction | $5.00 |
| Over the counter - Cheque deposit | Deposit | $1.00 |
| Over the counter - Branch cash withdrawal | Withdrawal | $2.25 |
| Over the counter - Transfer to an IMB account | Withdrawal | $0.50 |
| Over the counter - BPAY | Withdrawal | $0.50 |
| Over the counter - Purchase Financial Institution Cheque | Withdrawal | $6.00 |
| Over the counter - Cheque bill payments | Withdrawal | $6.00 |
| Over the counter - Single direct credit to another financial institution | Withdrawal | $0.50 |
| Over the counter - Scheduled direct credit to another financial institution | Withdrawal | $0.50 |
| Other facilities - Direct debit by another institution or entity | Withdrawal | $0.50 |
| Other facilities - Personal cheque withdrawal | Withdrawal | $1.50 |
| Other facilities - Cheque deposit | Deposit | $1.00 |
| Other facilities - Scheduled cheque withdrawal | Withdrawal | $6.00 |
| Other facilities - Scheduled electronic withdrawal | Withdrawal | $0.50 |
| Australia Post - Bank@Post withdrawal transaction | Withdrawal | $4.50 |
| Australia Post - Bank@Post deposit, enquiry & failed transactions | Transaction | $4.50 |
| BPAY payment return | Event | $5.00 |
| Rejected post-dated BPAY | Event | $5.00 |
| Trace on Electronic Debit/Credit | Event | $20.00 |
| Default Notice fee | Event | $30.00 |
| Transfers between accounts to cover overdrawn balance | Event | $15.00 |
| Stop payment personal cheque | Event | $15.00 |
| Copy of personal cheque | Event | $15.00 |
| Trace on personal cheque | Event | $50.00 |
| Card replacement (in excess of 1 p.a.) | Event | $10.00 |
| Pin replacement (in excess of 1 p.a.) | Event | $5.00 |
| Visa Cardholder Facility Fee | Periodic | $1.60 |
| Visa voucher request | Event | $15.00 |
| Urgent Visa card mailing | Event | $20.00 |
| Overseas Visa card replacement | Replacement | $150.00 |
| Transaction Listing - Electronic - up to 10 pages | Event | $5.00 |
| Transaction Listing - Electronic - 10 pages and over | Event | $0.50 |
| Interest statement - Electronic | Event | $2.50 |
| Copy of withdrawal or deposit form | Event | $15.00 |
| Recalculation of interest | Event | $30.00 |
| Research fee | Event | $30.00 |
| Retrieval of archived documents | Event | $20.00 |
| Audit Certificate | Event | $30.00 |
| Unclaimed monies/dormant account | Event | $40.00 |
| Bulk coin count | Deposit | $5.00 |
| Total cash withdrawal over $2,000 in a day | Withdrawal | 0.20% |
| Manual deposit other institution | Deposit | $10.00 |
| Trace on Financial Institution cheque | Event | $50.00 |
| Copy of Financial Institution cheque | Event | $16.00 |
| Stop payment fee (IMB cheques) | Event | $12.50 |
| Foreign cheque conversion (value less than AU$10,000) | Deposit | $25.00 |
| Foreign cheque conversion (value AU$10,000 and greater) | Deposit | $50.00 |
| Purchase of foreign currency | Withdrawal | 1.00% |
| SMS Alerts | Event | $0.25 |
| Default fee | Event | $25.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Card access | IMB Visa Debit Card and Cashcard available | Visa Debit Card is not available to individuals under 15 |
| Additional cards | ||
| Free txns allowance | IMB's Member Transaction Allowance applies to offset transaction fees on this account. | |
| Digital banking | Internet Banking and Mobile Banking App. | |
| Npp payid | Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments. | |
| Npp enabled | This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds | |
| Bill payment | BPAY | BPAY® is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills. |
| Notifications | IMB Alerts | IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking. |
| Other | Direct Debit | Direct debit is available on this account type. |
| Other | Direct Credit | Direct Credit is available on this account type. |
| Other | Scheduled Payments | Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking |
| Other | Electronic Funds Transfer | Make and receive Electronic Funds Transfers (EFT) from this account type. |
| Other | Bank@post | Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available. |
| Other | Branch | IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. |
| Other | Telephone Banking | IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone. |
| Other | Phone Banking Operator Assisted | IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm |
| Other | Chequebook | As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date |
| Digital wallet | Apple Pay. | Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet. |
| Digital wallet | Google Pay. | Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet. |
| Digital wallet | Samsung Pay. | Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet. |
| Digital wallet | Garmin Pay. | Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet. |
| Other | PayTo | PayTo is available on this account type. |
| Fraud protection | ||
| Eligibility: pension recipient | ||
| Eligibility: natural person | ||
| Eligibility: min age | 13 | |
| Eligibility: max age | 29 | |
| Limit: opening balance | 1 | |
| Limit: other | 0 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $0–$100,000 | 1 Nov 2026 | Current | 2.15% |
| Bonus · $100,000 or more | 1 Nov 2026 | Current | 0.00% |
| Bonus · $1,000,000 or more | 1 Nov 2026 | Current | 0.00% |
| Variable · $0–$100,000 | 1 Nov 2026 | Current | 0.00% |
| Bonus · $0–$100,000 | 1 Nov 2026 | Current | 3.45% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
eligibility:pensioner | Pensioners | Filter; shown in the row |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
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