{ "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "legal_entity_abn": "92087651974", "public_base_uri": "https://openbank.openbanking.imb.com.au", "logo_uri": "https://uploads-ssl.webflow.com/6523c01e3505e25d762e59e6/66038603eff828b190613f7a_imb-logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-12T13:00:00Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":3.7,"base_rate_pct":0.0,"bonus_rate_pct":3.7,"intro_rate_pct":2.15,"intro_months":4,"product_label":"Reward Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":1000000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.85,"base_rate_pct":0.0,"bonus_rate_pct":3.7,"intro_rate_pct":2.15,"intro_months":4,"product_label":"Reward Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":1000000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":2.9,"base_rate_pct":2.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":2.9,"base_rate_pct":2.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":2.9,"base_rate_pct":2.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":2.75,"base_rate_pct":2.75,"bonus_rate_pct":null,"intro_rate_pct":2.0,"intro_months":4,"product_label":"Business Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":6.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":4.75,"base_rate_pct":2.75,"bonus_rate_pct":null,"intro_rate_pct":2.0,"intro_months":4,"product_label":"Business Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":6.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":2.75,"base_rate_pct":2.75,"bonus_rate_pct":null,"intro_rate_pct":2.0,"intro_months":4,"product_label":"Business Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":6.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true} ], "condition_sets": { "k1": [ "deposit $50 or more each month", "no withdrawals in the month", "Maximum withdrawals permitted before Bonus Interest is forfeited for the month: 0", "must be an Australian resident with an Australian residential address", "individuals only, aged 13 and over", "the introductory rate is only for new members, or existing members who have never held a Reward Saver account; on a joint account every holder must qualify" ], "k2": [ "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" ], "k3": [ "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", "can only be opened in person at an IMB branch" ], "k4": [ "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" ] }, "unranked": { "products": 5, "transaction_account": 5 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "TSA-33-1", "product_name": "Business Cash Management Account", "product_label": "Business Cash Management Account", "product_slug": "business-cash-management-account", "page": "/au/finance/savings-accounts/accounts/imb-bank/business-cash-management-account/", "product_url": "https://www.imb.com.au/business/business-accounts", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.imb.com.au/important-information", "fees_url": "https://www.imb.com.au/help-centre/rates-and-fees", "eligibility_url": null, "account_type": "cash_management", "segments": [ "business" ], "segment": "business", "description": "IMB Business Cash Management Account is ideal for businesses looking for a higher interest account on cash investments or a place to park funds.", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": false, "intro_months": 4, "intro_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…" ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 1, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.75, "intro_pct": null, "base_pct": 1.75 }, "50000": { "ongoing_pct": 2.25, "intro_pct": 4.25, "base_pct": 2.25 }, "250000": { "ongoing_pct": 2.75, "intro_pct": 4.75, "base_pct": 2.75 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 23, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 22, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 20, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 23, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 11, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 9, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 20, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 19, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 17, "of": 42 } ], "features": { "card_access": true, "card": "IMB Visa Debit Card and Cashcard available", "digital_wallets": [ "Apple Pay.", "Garmin Pay.", "Google Pay.", "Samsung Pay." ], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "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…", "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 wh…", "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast,…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "notifications", "linked account required", "wallets: Apple Pay., Garmin Pay., Google Pay., Samsung Pay." ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 6.0, "monthly_fee_note": null, "fees_without_amount": [ "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" ], "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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" ], "eligibility": [ "business: Only available to business owners including sole traders, companies, partnerships, associations, trusts or other such businesses as approved by IMB." ], "record_stale": true, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-33-1", "source_snapshot": "/au/finance/savings-accounts/v1/source/imb-bank/TSA-33-1.json", "snapshot_at": "2026-10-22T13:25:11Z", "bank_last_updated": "2026-10-09T00:00:00+11:00", "ranked": true, "unranked_reason": null, "row_count": 7, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.imb.com.au/business/business-accounts", "https://www.imb.com.au/pdfs/pds-interest-rates-deposit-products-pdf" ] } }, { "product_id": "TSA-28-1", "product_name": "Business Tax Management Account", "product_label": "Business Tax Management Account", "product_slug": "business-tax-management-account", "page": "/au/finance/savings-accounts/accounts/imb-bank/business-tax-management-account/", "product_url": "https://www.imb.com.au/business/business-accounts", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.imb.com.au/important-information", "fees_url": "https://www.imb.com.au/help-centre/rates-and-fees", "eligibility_url": null, "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "An account to set aside funds to meet tax obligations such as GST", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 1, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "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…", "Make and receive Electronic Funds Transfers (EFT) from this account type.", "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast,…", "IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone." ] }, "feature_tags": [ "app", "Osko", "PayID", "PayTo", "BPAY", "unlimited transactions" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Total cash withdrawal over $2,000 in a day", "Purchase of foreign currency" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-09-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [ "business: Only available to business owners including sole traders, companies, partnerships, associations, trusts or other such businesses as approved by IMB." ], "record_stale": true, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-28-1", "source_snapshot": "/au/finance/savings-accounts/v1/source/imb-bank/TSA-28-1.json", "snapshot_at": "2026-10-22T13:25:11Z", "bank_last_updated": "2026-09-22T00:00:00+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.imb.com.au/business/business-accounts", "https://www.imb.com.au/important-information", "https://www.imb.com.au/help-centre/rates-and-fees/deposit-accounts", "https://www.imb.com.au/pdfs/pds-interest-rates-deposit-products-pdf", "https://www.imb.com.au/pdfs/pds-fees-charges-limits-pdf", "https://www.imb.com.au/pdfs/imb-member-guide-to-transaction-banking" ] } }, { "product_id": "TSA-23-1", "product_name": "Cash Management Account", "product_label": "Cash Management Account", "product_slug": "cash-management-account", "page": "/au/finance/savings-accounts/accounts/imb-bank/cash-management-account/", "product_url": "https://www.imb.com.au/banking/saving-accounts/cash-management-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.imb.com.au/important-information", "fees_url": "https://www.imb.com.au/help-centre/rates-and-fees", "eligibility_url": null, "account_type": "cash_management", "segments": [ "personal" ], "segment": "personal", "description": "Enjoy competitive interest rates without the need to lock your money away.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 5000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.7, "intro_pct": null, "base_pct": 1.7 }, "50000": { "ongoing_pct": 1.9, "intro_pct": null, "base_pct": 1.9 }, "250000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 52, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 50, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 49, "of": 79 } ], "features": { "card_access": true, "card": "IMB Visa Debit Card and Cashcard available", "digital_wallets": [ "Apple Pay.", "Garmin Pay.", "Google Pay.", "Samsung Pay." ], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "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…", "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 wh…", "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast,…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "notifications", "linked account required", "wallets: Apple Pay., Garmin Pay., Google Pay., Samsung Pay." ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "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" ], "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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" ], "eligibility": [], "record_stale": true, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TSA-23-1", "source_snapshot": "/au/finance/savings-accounts/v1/source/imb-bank/TSA-23-1.json", "snapshot_at": "2026-10-22T13:25:11Z", "bank_last_updated": "2026-10-23T00:00:00+11:00", "ranked": true, "unranked_reason": null, "row_count": 5, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.imb.com.au/banking/saving-accounts/cash-management-account", "https://www.imb.com.au/important-information", "https://www.imb.com.au/help-centre/rates-and-fees/deposit-accounts", "https://www.imb.com.au/pdfs/pds-interest-rates-deposit-products-pdf", "https://www.imb.com.au/pdfs/pds-fees-charges-limits-pdf", "https://www.imb.com.au/pdfs/imb-member-guide-to-transaction-banking" ] } }, { "product_id": "TSA-6-1", "product_name": "Christmas Club Account", "product_label": "Christmas Club Account", "product_slug": "christmas-club-account", "page": "/au/finance/savings-accounts/accounts/imb-bank/christmas-club-account/", "product_url": "https://www.imb.com.au/banking/saving-accounts/christmas-club-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.imb.com.au/important-information", "fees_url": "https://www.imb.com.au/help-centre/rates-and-fees", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Enjoy a hassle free Christmas with the IMB Christmas Club Account. 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