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Business Transaction Account Rates

Account Balance Standard Variable Interest Rate
$100,000 and over 0.01% pa
$50,000 - $99,999.99 0.01% pa
$20,000 - $49,999.99  0.01% pa
$5,000 - $19,999.99 0.01% pa
Up to $4,999.99 0.01% pa

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Business Cash Management Account Rates

Account Balance Standard Variable Interest Rate
$250,000 and over 1.95% pa
$100,000 - $249,999.99 1.95% pa
$50,000 - $99,999.99 1.60% pa
$20,000 - $49,999.99 1.15% pa
$10,000 - $19,999.99 1.15% pa
$5,000 - $9,999.99 0.05% pa
Up to $4,999.99 0.00% pa

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Interest on all deposits is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. This document forms part of IMB's Product Disclosure Statement (PDS) for products and payment facilities listed in Page 1 and 2 of IMB's Member Guide to Transaction Banking, which consists of the following documents IMB Member Guide to Transaction Banking PDS and PDS Fees and Charges for IMB Services and PDS Interest Rates for IMB Products, and any other supplementary PDS issued by IMB. Target Market Determinations, available here.


Rates effective 8th of March 2023.

Why choose us?

Established in 1880, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.

Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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