IMB Bank Reward Saver Kick Start
savings accountage limitedterms checked
Reward Saver Kick Start is a savings account from IMB Bank. At $50,000 it pays 5.85% p.a. in a month in which the conditions below are met and 0.00% when 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 – $100,000stepped: paid on the part of the balance in this band | 0.00% | 5.85% | 5.85% |
| $100,000.01 – $1,000,000stepped: paid on the part of the balance in this band | 0.00% | 3.70% | 3.70% |
| $1,000,000.01+stepped: paid on the part of the balance in this band | 0.00% | 0.00% | 0.00% |
The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.
The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.
The bonus is paid on balances up to $1,000,000; the band above it shows what the feed states there.
The feed states a minimum balance of $1.
Conditions
For the bonus rate
- For Reward Saver Kick Start accounts opened prior to 1 September 2021, the Fixed Bonus Interest Rate continues to apply. Can be converted to the Kick Start Bonus Interest Rate on request. The Fixed Bonus Interest Rate is payable on balances from $0-$4999 at 1.00% p.a. Bonus interest criteria applies.
- deposit $20 or more each month
- no withdrawals in the month
In the bank's own words, as its feed states each condition on the bonus rate:
- monthly deposit$20 deposit
Other conditions
- ages 13 to 29
- must be an Australian resident with an Australian residential address
- if the holder becomes too old the account converts to a standard Reward Saver account and loses the Kick Start bonus
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
- no monthly fee stated
- 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
- bonus paid up to
- $1,000,000
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 13 to 29
- open to
- personal customers
- age limited
- open only to people of certain ages (kids, youth or seniors accounts)
Who can open it, in the bank's own words:
- age 29 and under
- Maximum withdrawals permitted before Bonus Interest is forfeited for the month: 0
About this account
Kick Start your savings with the IMB Reward Saver Kick Start Account. Designed for teens and young adults under 30.
Data
- IMB Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 13 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: reward-saver-kick-start-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 13 November 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
- 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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