Transaction Accounts

Wisdom Saver Account

Earn interest on your fully featured transaction account and pay no monthly account keeping fees. Available for members 55 years and over1.


The Wisdom Saver account has no monthly account keeping fees and no transaction fees across IMB’s wide range of channels2.

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

Free Internet Banking, Mobile Banking and Phone Banking

Access to real time payments through Osko®

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

Great interest rates and at-call access to your money

Rates & Fees

Account Balance

Standard Variable
Interest Rate

$250,000 and over


% p.a.

$50,000 - $249,999.99


% p.a.

$10,000 - $49,999.99


% p.a.

Up to $9,999.99


% 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 Wisdom Saver Account?

How can I order a card for my Wisdom Saver account?

How often is interest paid on the Wisdom Saver?

What are the fees associated with the Wisdom Saver?

What is the interest rate for the Wisdom Saver?

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. A different rate applies to the portion of the balance in each tier. 

Rates and features

1. The Wisdom Saver Account is available to individuals aged 55 and over or in receipt of an eligible permanent pension.

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

3. $1.60 monthly VISA Debit Card fee applies. Waived for new accounts opened from 1 January 2024 until offer is withdrawn. This offer may be withdrawn at any time without notice.

® 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.