Saving Accounts

Cash Management Account

An account to park your cash and earn interest, without the need to lock your money away.


Earn interest while you await your next investment opportunity and enjoy easy access to your funds when you need them.

No monthly account keeping fees

Access to real time payments through Osko®

Mobile Banking, Internet Banking and Phone Banking

Tap and pay securely with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Minimum opening balance of $5,000

Rates & Fees

Account Balance

Standard Variable Interest Rate

$250,000 and over


% p.a.

$100,000 and $249,999.99


% p.a.

$50,000 and $99,999.99


% p.a.

$20,000 to $49,999.99


% p.a.

$10,000 to $19,999.99


% p.a.

$5,000 to $9,999.99


% p.a.

Up to $4,999.99


% p.a.

Calculate my savings

Opening an account is easy

Understand the important information

Read the product information, terms and conditions, and fee information

Apply online in under 10 minutes

Give yourself approximately 10 minutes to go through the application

Open an IMB Bank Account

Have your ID ready

Have your ID handy so we can verify your identity electronically (open to Australian residents, 13 years and over)

Need support?

Contact us

Get in touch with one of our Australia-based team.

Locate us

Our friendly branch staff are looking forward to helping you achieve your financial goals.

Got a question on Savings?

How can I open a term deposit?

I want to invest more than $100,000, how can I discuss a Negotiable Interest Term Account (NITA)?

What are the interest rates for IMB's Term Deposits?

What is the interest rate for the Wisdom Saver?

Do I need an Everyday transaction account to have a Reward Saver?

why us

IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years.

Find out more

Your security, our priority

Security is a fundamental right for our customers, and we hold it as one of our core values.

Bank easy.
Wherever, whenever.

Banking is even better on our app.

Important Information


Information current at date of appearance and subject to change. You should consider the IMB Member Guide to Transaction Banking - Product Disclosure Statement before making a decision about IMB products and facilities. Target Market Determination available here. Fees and charges may apply, see the PDS – Fees, Charges and Limits for more details.

Interest on all deposits is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. Interest rates are paid on the entire balance of the account.

Rates and features

® Osko is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.