Teach your little ones to save, grow and enjoy the buzz of earning rewards.
Every dollar your child saves stays theirs1.
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Your child will get an exclusive IMB Zoo gift when they join.
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We offer plenty of fun competitions, activities, and rewards to keep kids engaged and a $100 monthly prize draw2.
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Manage your child’s savings with just a few taps. From balance checks to instant transfers, our easy-to-use Mobile App and Internet Banking puts you in control - secure and convenient.
Fee type | Fee amount |
|---|---|
Branch transactions | Free |
Phone Banking | Free |
Online payments | Free |
Direct Credit | Free |
OSKO (receive payments) | Free |
Account Balance | Standard Variable Interest Rate | Standard Variable Bonus Rate3 | Earn up to |
|---|---|---|---|
Up to $4,999.99 | 0.10 % p.a. | 3.65 % p.a. | 3.75 % p.a. |
$5,000 - $19,999.99 | 0.10 % p.a. | 3.65 % p.a. | 3.75 % p.a. |
$20,000 - $49,999.99 | 0.10 % p.a. | 3.65 % p.a. | 3.75 % p.a. |
$50,000 and over | 0.10 % p.a. | 3.65 % p.a. | 3.75 % p.a. |
*Offer available for new IMB Zoo Accounts opened in the child’s name by a parent or legal guardian between 14 November 2025 to 31 January 2026. Account eligibility requirements apply. Zoo account opening requirements will vary depending on your relationship with the child. Please refer to the PDS for full details. Accounts opened “In Trust For” a child will not receive the bonus. $25 bonus will be deposited into the new Zoo Account within 30 days from the promotional end date. Limit of one bonus per new member 12 years of age and under who has not previously held an IMB Zoo account. IMB reserves the right to change or withdraw this offer at any time.
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.
Rates and features
1. Service fees may apply.
2.Competition open to NSW, ACT & VIC members only. One entry is automatically earned for every deposit of $10 or more into an IMB Zoo Account in the child's name and the member is aged between 0-12 years of age. A Member is entitled to be entered into the competition more than once in any month and for the duration of the competition. Unsuccessful entries from a $100 monthly prize draw do not carry forward to the subsequent month’s draw. The prize is $100 deposited into the winning Member’s Zoo Account by IMB within 30 days of the prize draw. Promotion period 01/12/2024 to 30/11/2025 with a monthly prize drawn at 47 Burelli St, Wollongong on the second Tuesday of each month at 3pm from all entries received in the previous calendar month. This offer may be varied or withdrawn at any time. Please see Terms and Conditions Zoo Rewards Special Terms and Conditions or an IMB branch for full terms and conditions of this competition.
3. To qualify for the Standard Variable Bonus Rate, you must deposit at least $10 and make no withdrawals during the calendar month (this is known as the Bonus Interest Criteria). If these criteria are not met, the Standard Variable Bonus Rate will be forfeited, and your account will earn interest at the base rate only.
® Osko is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
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Open a new Zoo Account by the end of January 2026 and we'll pop in a sweet $25 Bonus - easy!
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