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Save easily for the things that matter.
Get everything you need for your savings to grow on its own.
Automate your savings
Set up recurring transfers to grow your balance consistently without needing to think about it.
No monthly account keeping fees2
Keep more of your money working for you with no ongoing monthly account keeping fees.
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Personalise your savings
Tailor your account names, alerts, and preferences to suit the way you manage your money.
You deserve banking that's clear and upfront, every step of the way.
To open a Reward Saver Account, you’ll need to be an:
Australian resident with an Australian residential address
individual aged 13 and over
To be eligible for the Introductory Bonus Rate, all account holders must be new members OR existing members who have not previously held a Reward Saver account.
If you’re not sure if you meet our criteria, let us help you.
mobile app
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4.7
on App Store
4.3
on Google Play
It’s all about making banking feel effortless.
Block, cancel, manage your PIN and setup your smart device.
Smart technology. Real-time monitoring. You're always in control.
Freeze or replace your card instantly, right in the app.
We’ll monitor and alert you of suspicious activities.
We’ll monitor and alert you of suspicious activities.
Your deposits are protected up to $250k.
We’ll monitor and alert you of suspicious activities.
Face ID and fingerprint login for seamless banking.
Freeze or replace your card instantly, right in the app.
Your deposits are protected up to $250K.
We believe good banking starts with clear answers.
We’re proud to invest in local people, projects, and progress. Since 1880.
Our friendly branch staff are ready to help you achieve your financial goals. We’ll also provide the coffee or tea while you’re here.
General
Information current at date of appearance and subject to change. You should consider the 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. A different rate applies to the portion of the balance in each tier.
Rates and features
1. The interest rate shown is payable on balances up to $1M only. The Introductory Fixed Bonus Interest Rate is payable for the first 4 interest payments for new accounts opened from 18th March 2026, for new or existing Members who have not held a Reward Saver account before. For joint accounts, all members must be eligible to receive the Introductory Fixed Bonus Interest. After the first four months, only the Standard Variable Bonus Rate applies. To earn both the Introductory Fixed Bonus Interest Rate and Standard Variable Bonus Rate the account holder must make a minimum $50 deposit and no withdrawals per month (Bonus Interest Criteria). If the Bonus Interest Criteria are not met for the calendar month, both the Standard Variable Bonus Interest Rate and Introductory Fixed Bonus Interest Rate (if applicable) will be forfeited, and your account will earn interest at the base rate only.
2. Transaction fees and other charges apply.
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