Business Accounts

Bank faster and smarter with realtime payments, accounting software feeds and mobile payments.

high interest account

Business Cash Management Account

Earn up to

4.50% p.a.

Account balances $250,000 and above. Interest rate includes Standard Variable Interest Rate and Introductory Fixed Interest Rate payable for the first 4 months. Eligibility criteria applies4.

  • Competitive interest on your funds
  • $0 monthly account keeping fees if average monthly balance is $5,000 or more
  • Funds at call when you need it
  • Interest calculated daily, paid monthly

Key features

Rates & Fees

everyday business transactions

Transaction Account

An account suitable for your everyday business transactions, such as paying bills and accepting payments from customers.

Includes all the features of the Business Cash Management Account, plus:

  • Create information feeds to popular accounting software
  • Accept payments from MasterCard, Visa, American Express, Diners Card and Debit Card with our Merchant service2

Key features

Rates & Fees


Receive customer payments in real-time with Osko®


Faster payments across over 50 financial institutions, 24/7 – even weekends!


You can use 28 characters to describe who’s getting paid and why, including emojis – whatever characters you need!


You can use a PayID to pay and get paid with something simple like a registered mobile, email or ABN. Or you can still use a BSB and account number.


It’s backed by BPAY® and us, so it’s very secure.

Other ways to accept payments

help Centre

Get help for your business, no matter what stage it’s at.

Write a business plan, set up your business or hiring new employees
Insure and protect your business from fraud
Financing your business growth, manage staff

business support

IMB and your business

At IMB, we know that no business is like the other. This is why we put emphasis on understanding you and your business.

Your security, our priority

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

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

Important Information

Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply.

You should consider the relevant Terms and Conditions or Member Guide to Transaction Banking - Product Disclosure Statement before deciding whether to acquire any IMB products or facilities. Target Market Determinations available here. 

Rates and features
1. $1.60 monthly VISA Debit Card fee applies. IMB Visa Debit Card is only available to Members aged 15 years and over.

2. Merchant Facilities provided by Westpac Banking Corporation ABN 33 007 457 141, AFSL 233 714 and Mint Payments ABN 51 122 043 029. Terms and conditions, fees and charges apply.

3. Xero is provided by Xero Australia Pty Limited and MYOB Banklink is provided by MYOB Australia Pty Ltd. Terms and conditions, fees and charges apply.

4. Introductory Fixed Interest Rate is payable for the first 4 interest payments for new accounts opened from 8th May 2024, for new or existing Members who have not held a Business Cash Management account before.

® Osko and BPAY are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.