Money / Banks
IMB Bank
What IMB Bank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check IMB Bank's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Business Cash Management Account | 1.75% | – | 1.75% | No bonus New accounts: an extra 2.00% for 4 months |
| Business Tax Management Account | 0.01% | – | 0.01% | No bonus |
| Business Transaction Account | 0.01% | – | 0.01% | No bonus |
| Cash Management Account | 1.45% | – | 1.45% | No bonus |
| Christmas Club Account | – | 3.25% | 3.25% | The bank's data doesn't say. |
| DIY Super Account | 2.65% | – | 2.65% | No bonus |
| Everyday 50PLUS Account | 1.75% | – | 1.75% | No bonus |
| Everyday Account | 0.01% | – | 0.01% | No bonus |
| Real Estate Business Account | 0.01% | – | 0.01% | No bonus |
| Reward Saver Account | 0.00% | 3.45% | 3.45% |
Bonus only on balances up to $1,000,000 In the bank's wordsMinimum $50 deposit required with no withdrawals to meet Bonus Interest Criteria New accounts: an extra 2.15% for 4 months |
| Reward Saver Kick Start | 0.00% | 3.45% | 3.45% |
Bonus only on balances up to $100,000 Ages 13 to 29 In the bank's wordsMinimum $20 deposit required with no withdrawals to meet Bonus Interest Criteria |
| Zoo Account | 0.10% | 4.40% | 4.50% |
Up to age 12 In the bank's wordsMinimum $10 deposit required with no withdrawals to meet Bonus Interest Criteria |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| Term Deposit | 4.90% | 5.00% | 5.15% | 4.50% | $1,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| 1 year Fixed Rate Home Loan | – | – |
| 2 year Fixed Rate Home Loan | – | – |
| 3 year Fixed Rate Home Loan | – | – |
| 4 year Fixed Rate Home Loan | – | – |
| 5 year Fixed Rate Home Loan | – | – |
| Budget Home Loan | 6.29% | 6.32% |
| Essentials Home Loan | 6.39% | 6.50% |
| Standard Variable Home Loan | 9.21% | 9.28% |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Everyday Unlimited Account Savings and transaction accounts
- Everyday Unlimited Kick Start Account Savings and transaction accounts
- Negotiable Interest Term Account (NITA) Term deposits
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: IMB Bank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at IMB Bank, which has the current details.