IMB Bank Business Cash Management Account

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Business Cash Management Account is a cash management account from IMB Bank. At $50,000 it pays 2.25% p.a. with no bonus conditions; 4.25% for the first 4 months.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays, intro the rate in the introductory period.

Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.

The intro column is the rate for the first 4 months of a new account, an add-on to the base rate for that period; after it the account pays its base rate, 2.25% at $50,000.

The feed states a minimum balance of $1.

Conditions

• not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• the $6 monthly fee is waived when the average monthly balance is $5,000 or more

Introductory rate conditions: Introductory Fixed Bonus Interest Rate is payment for the first 4 interest payments for new accounts open from 2nd September 2025, for new or existing Members who have not held a Business Cash Management account before.

Features

card

IMB Visa Debit Card and Cashcard available

app

yes

Osko

yes

PayID

yes

PayTo

yes

BPAY

yes

notifications

yes

wallets

Apple Pay., Garmin Pay., Google Pay., Samsung Pay.

Other features, in the bank's words:

• Direct debit is available on this account type.
• Direct Credit is available on this account type.
• Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking
• Make and receive Electronic Funds Transfers (EFT) from this account type.
• Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.
• IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.

Fees, limits and who can open it

monthly fee

$6

other fees named

Visa Debit Card - International purchase, Visa Debit Card - Cash advances (domestic & international), Total cash withdrawal over $2,000 in a day, Purchase of foreign currency (no amount in the feed)

minimum balance

$1

interest paid

monthly

interest calculated

daily

open to

business customers

linked account

a linked or nominated transaction account is required

Who can open it, in the bank's own words:

• business: Only available to business owners including sole traders, companies, partnerships, associations, trusts or other such businesses as approved by IMB.

About this account

IMB Business Cash Management Account is ideal for businesses looking for a higher interest account on cash investments or a place to park funds.

Data

• IMB Bank's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees.
• Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
• We read the bank's own page and terms against this page on 1 November 2026: business-accounts, pds-interest-rates-deposit-products-pdf; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/imb-bank.json: this bank's accounts and every balance band as JSON; IMB Bank's page lists them.
• The bank last updated this record on 9 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at IMB Bank

• Business Tax Management Accountstale savings account, 0.01% base at $50,000
• Christmas Club Accountstale savings account, 3.50% conditional at $50,000
• DIY Super Accountstale savings account, 2.90% base at $50,000
• Everyday 50PLUS Account savings account, 1.77% base at $50,000
• Reward Saver Account savings account, 3.70% conditional at $50,000
• Reward Saver Kick Start savings account, 5.85% conditional at $50,000
• Zoo Accountstale savings account, 4.75% conditional at $50,000
• Cash Management Accountstale cash management account, 1.90% base at $50,000
• Business Transaction Accountstale transaction account, 0.01% base at $50,000
• Everyday Accountstale transaction account, 0.01% base at $50,000
• Everyday Unlimited Accountstale transaction account, 0.00% base at $50,000
• Everyday Unlimited Kick Start Accountstale transaction account, 0.00% base at $50,000
• Real Estate Business Accountstale transaction account, 0.01% base at $50,000

All of IMB Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.