Drop in a little each month, keep it there, give it time and boom! Like magic, watch your savings grow.
*This calculator assumes you add a fixed amount each month, make no withdrawals and meet the Bonus Interest Criteria. The results should be used as an indication only.
The experts love it and so will your future self.
The IMB Kick Start package includes the Everyday Unlimited Kick Start Account and Reward Saver Kick Start Account.
Yes. There is no limit to the number of accounts an eligible member can hold.
If you meet the Bonus Interest Criteria and interest is payable on the account, interest is calculated daily and paid to the account monthly at the end of the calendar month.
To qualify for both the Standard Variable Bonus Rate and the Kick Start Bonus Interest Rate, you must deposit at least $20 and make no withdrawals during the calendar month (this is known as the Bonus Interest Criteria). If these criteria are not met, both bonus rates will be forfeited, and your account will earn interest at the base rate only for that month. You can check the current interest rates here
General
Information current at date of appearance and subject to change. This advice is general advice only and does not take into account your objectives, financial situation or needs. 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.
IMB Reward Saver Kick Start recognised in Mozo Experts Choice Awards 2025 - more information on the awards research methodology at mozo.com.au
Rates and features
1. Interest rates apply only to balances up to $100k. To qualify for both the Standard Variable Bonus Rate and the Kick Start Bonus Interest Rate, you must deposit at least $20 and make no withdrawals during the calendar month (this is known as the Bonus Interest Criteria). If these criteria are not met, both bonus rates will be forfeited, and your account will earn interest at the base rate only for that month. You can check the current interest rates here
2. Transaction fees and other charges apply.
3. The Reward Saver Kick Start account is available to individuals aged 13-17 and students, trainees and apprentices aged 18-30, studying or training with an organisation recognised by IMB in its absolute discretion. Once a Reward Saver Kick Start account no longer meets the eligibility criteria or fails to provide proof of eligible status, it converts to the standard terms and conditions applicable to the Reward Saver account. Please refer to the PDS for full details.