This transaction account is built for under 18s, and for students, trainees, and apprentices aged 18 to 301.
Hangout with super-fast, secure payments in your pocket and avoid the monthly fees tagging along.
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Just easy spending with fee-free IMB transactions.2
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Get a free IMB Visa Debit Card3 to tap and pay securely with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
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Instant gratification with fast payments.
Automate money, check your balance mid-scroll and smash goals. Our app is rated over 4.5 stars for a reason.
Fee type | Fee amount |
|---|---|
Online payments | Free |
Mobile payments | Free |
EFTPOS | Free |
International ATMs | $5 |
International purchases | $5 or 2.5% |
Account Balance | Standard Variable |
|---|---|
All balances | 0.00 % p.a. |
Limit type | Limit amount |
|---|---|
Daily cash withdrawal limit | $1,000 |
Daily Visa Debit Card transaction limit | $10,000 |
Daily OSKO transaction limit | $1,000 |
Daily Online Banking transaction limit | $5,000 |
*$50 promotion is valid for new & existing IMB members aged 15-30 years who have not held an Everyday Unlimited Kick Start Account before and who open an account between 21/1/2026 and 28/2/2026. Account eligibility requirements apply. To be eligible for the $50 bonus, members must make a minimum of 6 purchase transactions on the account by the end of the promotional period (11:59pm on 31/03/2026). ‘Purchase transaction’ is defined as utilising a linked IMB Visa Debit Card to make a purchase of goods or services. Offer limited to one bonus per account and not available with any other offer. Bonus $50 will be paid into the member’s account within 30 days of the end of the promotion period. 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. 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.
4. The interest rate shown is payable on balances up to $100k 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.
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If you’re a student aged 15-30, open this account by 28 February 2026, make 6 purchases using your IMB Visa Debit Card by the end of March and $50 is yours.
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