Cha-ching!

This is your sign to kick start your savings

Open now

How much can you save each month?

Choose the Reward Saver Kick Start Account

It’s like having your own 
money-making machine

Drop in a little each month, keep it there, give it time and boom! Like magic, watch your savings grow.

$40

Your monthly deposit

$533

Your account balance in a year*

*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.

Do two simple things to earn an epic...

4.75

%

p.a.1

Start earning

This rate combines a 2.25% p.a Kick Start Bonus Rate with a 2.50% p.a Standard Variable Bonus Rate for balances up to $100,000.

1

Add at least $20 into the account each month.

2

Chill out and don’t take any money out.

We won stuff,
so you win too.

The experts love it and so will your future self.

No monthly account keeping fees2

Just straight-up savings.

Pocket-sized power.

Automate money, check your balance mid-scroll and smash goals. Our app is rated over 4.5 stars for a reason.

Money, now!

Instant gratification with fast payments.

Own your journey

Personalise your account names e.g. Bali trip, uni books...

Join now if you’re...

aged 13-17 years old, or

a student, trainee or apprentice aged 18-30 years old3

Join now

Open in 10 minutes.

Open your account while you wait for your food order

Yep, it’s that quick and easy...

We thought you might ask

The boring stuff (but still important)

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.