Transaction Accounts

Everyday Unlimited Kick Start Account

A transaction account for under 18s and students, trainees and apprentices aged 18 to 30 years1.  


Access your money the way you want with great features, unlimited fee free transactions2 and no monthly account fees.

Enjoy unlimited fee free IMB transactions2 and no account keeping fees.

Fee free Internet Banking, Mobile Banking and Phone Banking.

Access to real time payments through Osko®.

Combine with a Reward Saver Kick Start account for a complete banking package.

Get a free IMB Visa Debit Card3 to tap and pay securely with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

Rates & Fees

Account Balance

Standard Variable
Interest Rate

All balances


% p.a.

Budget Planner

Opening an account is easy

Understand the important information

Read the product information, terms and conditions, and fee information

Apply online in under 10 minutes

Give yourself approximately 10 minutes to go through the application

Open an IMB Bank Account

Have your ID ready

Have your ID handy so we can verify your identity electronically (open to Australian residents, 13 years and over)

Need support?

Contact us

Get in touch with one of our Australia-based team.

Locate us

Our friendly branch staff are looking forward to helping you achieve your financial goals.

Got a question on IMBs Everyday Unlimited Kick Start Account?

How to verify your details

What types of depositors does the Government Guarantee apply to?

How do I activate my IMB Visa Debit Card?

What is a Term Deposit?

What are the fees associated with my deposit account?

why us

IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years.

Find out more

Your security, our priority

Security is a fundamental right for our customers, and we hold it as one of our core values.

Important Information


Information current at date of appearance and subject to change. You should consider the IMB Member Guide to Transaction Banking - 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. Interest rates are paid on the entire balance of the account.

Rates and features

1. Studying or training must be with an organisation recognised by IMB in its absolute discretion. Documentary evidence must be provided upon request. If you are or you become ineligible for this product, or if you do not provide evidence of eligibility when requested, your account will convert to an Everyday Unlimited account and the standards terms and conditions for that account will apply which includes a $6 monthly account keeping fee.

2. Fees apply to international transactions and transactions performed via non-IMB channels.

3. Available to Members aged 15 years and over.

® Osko is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd. Fitbit Pay is a trademark of Fitbit Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.