Saving Accounts

Christmas Club Account

Earn interest when no withdrawals are made between January and October and access your savings in November and December to pay for Christmas.

earn up to


% p.a

Interest on all balances1.


Enjoy a hassle - free Christmas with the IMB Christmas Club Account. Earn interest when no withdrawals are made between January and October, then access your savings in November and December to pay for Christmas.1 It's an ideal way to save for a relaxing festive season.

No account keeping fees or transaction fees

Set up a regular savings amount each month

Receive real time payments through Osko®

Access your savings between November and December

Interest is paid when no withdrawals are made between January and October1

Rates & Fees

Account Balance

Standard Variable Bonus Rate1

All balances


% 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?

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

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

Got a question on Savings?

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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.

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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

1. Interest is paid after close of business on the last day of October. If a withdrawal is made between 1st January and 31st October, the account will be closed and the Standard Variable Bonus Rate is forfeited.

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