IMB Bank Christmas Club Account
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Christmas Club Account is a savings account from IMB Bank. It pays 3.50% p.a. in a month in which the conditions below are met; the feed states no rate for a month in which they are not.
Rate tiers
Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0+ | — | 3.50% | 3.50% |
The bonus rate is the whole rate paid in a month in which the conditions are met; the feed states no base rate, so what is paid in a month in which they are not met is not in it.
The feed states no cap on the balance that earns the bonus.
The feed states a minimum balance of $1.
Conditions
For the bonus rate
- If there are any withdrawals between January 1 and October 31 the account will be closed and the bonus forfeited.
Other conditions
- not updated by the bank since 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- a Christmas club account: withdrawals are restricted for most of the year
Features
- app
- yes
- Osko
- yes
- PayID
- yes
Other features, in the bank's words:
- Direct Credit is available on this account type.
- Receive Electronic Funds Transfers (EFT) to this account type.
- IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
- IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Total cash withdrawal over $2,000 in a day, Purchase of foreign currency (no amount in the feed)
- minimum balance
- $1
- interest paid
- annually
- interest calculated
- daily
- open to
- personal customers
- christmas club
- a Christmas club account: withdrawals are restricted for most of the year
About this account
Enjoy a hassle free Christmas with the IMB Christmas Club Account. Earn bonus interest for regular saving then access your savings in November and December to pay for Christmas.
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: christmas-club-account, important-information, deposit-accounts, pds-interest-rates-deposit-products-pdf, pds-fees-charges-limits-pdf, imb-member-guide-to-transaction-banking; 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 23 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
- 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
- Business Cash Management Accountstale cash management account, 2.25% base 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.
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