=
2.00% p.a
Introductory Bonus Rate
+
2.50% p.a
Standard Variable Bonus Rate
All account holders must be eligible members to receive Introductory bonus rate, which is payable for the first 4 months
Introductory Bonus Rate available to new members and existing members who have not previously held a Reward Saver account.
Deposit $50 or more a month and make no withdrawals to meet the Bonus Interest Criteria.
Payable on balances up to $1 million
The IMB Reward Saver Account is the ideal account to help you save for something special. It rewards you with a great interest rate when you deposit as little as $50 a month and make no withdrawals during the month, so your savings can grow faster. Plus there are no monthly account keeping fees2.
No monthly account keeping fees2
Set up automatic transfers from your Everyday Account
Access to real time payments through Osko®
Personalise your account name (e.g. ‘Holiday Savings’)
Meet Bonus Interest Criteria by saving as little as $50 a month with no withdrawals1
Account Balance | Standard Variable | Standard Variable | Introductory Fixed | Earn up to |
|---|---|---|---|---|
$1,000,000.01 & above | 0.00 % p.a. | 0.00 % p.a. | 0.00 % p.a. | 0.00 % p.a. |
$500,000.01 - $1,000,000.00 | 0.00 % p.a. | 2.50 % p.a. | 2.00 % p.a. | 4.50 % p.a. |
$100,000.01 - $500,000 | 0.00 % p.a. | 2.50 % p.a. | 2.00 % p.a. | 4.50 % p.a. |
$5,000 - $100,000 | 0.00 % p.a. | 2.50 % p.a. | 2.00 % p.a. | 4.50 % p.a. |
$0 - $4,999.99 | 0.00 % p.a. | 2.50 % p.a. | 2.00 % p.a. | 4.50 % p.a. |
IMB Member Guide to Transaction Banking – Product Disclosure Statement | |
PDS – Fees Charges and Limits | |
PDS – Interest Rates for IMB Deposit Products | |
Tips for Teens - Visa Debit Card Flyer |
Read the product information, terms and conditions, and fee information
Give yourself approximately 10 minutes to go through the application
Have your ID handy so we can verify your identity electronically (open to Australian residents, 13 years and over)
Security is a fundamental right for our customers, and we hold it as one of our core values.
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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 September 2025, 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.
® Osko and logo is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
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