Drop in a little each month, 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.
Just straight-up savings.
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Automate money, check your balance mid-scroll and smash goals. Our app is rated over 4.5 stars for a reason.
Instant gratification with fast payments.
Personalise your account names e.g. Bali trip, uni books...
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.
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. The interest rate shown is payable on balances up to $1m only. To earn both the Standard Variable Bonus Rate and the Kick Start Bonus Interest Rate the account holder must make a minimum $20 deposit and no withdrawals per month (Bonus Interest Criteria). If Bonus Interest Criteria is not met for the calendar month, both the Standard Variable Bonus Rate and Kick Start Bonus Interest Rate are forfeited.
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.
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