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Please note that all of the products listed below are no longer available for new accounts

 

Balance + 

Account balance Standard Variable
Interest Rate
Standard Variable
Bonus Rate1
Earn
up to
$50,000 and over 0.00% pa 0.65% pa 0.65% pa
$20,000 - $49,999.99 0.00% pa 0.65% pa 0.65% pa
$5,000 - $19,999.99 0.00% pa 0.65% pa 0.65% pa
Up to $4,999.99 0.00% pa 0.65% pa 0.65% pa

1. To earn bonus criteria the account holder must make a minimum $20 deposit and no withdrawals per month.  If bonus interest criteria are not met for the calendar month, the Standard Variable Bonus Interest Rate is forfeited.

Blue Chip Card (all states)

Account balance Standard Variable
Interest Rate
$250,000 and over 0.10% pa
$100,000 and $249,999.99 0.10% pa
$50,000 and $99,999.99 0.10% pa
$20,000 to $49,999.99 0.05% pa
$10,000 to $19,999.99 0.05% pa
$5,000 to $9,999.99 0.05% pa
Up to $4,999.99 0.00% pa

 

Business Card Account

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

 

eSaver Account2

Account balance Standard Variable
Interest Rate
All balances 0.35% pa

2. From 27 May 2017 for accounts previously held as an eSaver Account with The Shire…Local Banking

 

Home Saver Account3

Account balance Standard Variable
Interest Rate
All balances 0.00% pa
All balances (Bonus Interest Rate) 0.55% pa4

3. For accounts previously held as an IMB First Home Saver Account.

4. To earn bonus interest account holder must make at least one deposit per month. If bonus interest criteria are not met for the calendar month, the Standard Variable Bonus Interest Rate is forfeited.

 

Junior Savers

Account balance Standard Variable
Interest Rate
$50,000 and over 0.10% pa
$20,000 -$49,999.99 0.10% pa
$5,000 - $19,999.99 0.10% pa
Up to $4,999.99 0.10% pa

 

Negotiable At Call

Account balance Standard Variable
Interest Rate
All Balances 0.00% or variable rates as negotiated.

 

Optimiser

Account balance Standard Variable
Interest Rate
$50,000 and over 0.35% pa
$20,000 - $49.999.99 0.20% pa
$5,000 - $19,999.99 0.10% pa
Up to $4,999.99 0.01% pa

 

Rates effective 26th of October 2021. Interest rates are paid on the entire balance of the account, except for Optimiser accounts. For these accounts, a different rate applies to the portion of the balance in each tier. Interest rates are subject to change without notice. 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, PDS Interest Rates for IMB Products, and any other supplementary PDS issued by IMB

 

Why choose us?

Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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