Savings account · 13+ years
IMB Bank Reward Saver Account
3.45%p.a. total
0.00% base + 3.45% bonus when the conditions are met
5.60% for the first 4 months, then 3.45%121st of 151 savings accounts · market average 4.37%
The RBA raised the cash rate to 4.60% on 30 September. Reward Saver Account moved on 9 October, 9 days later.
What the bonus asks
2 things each month- Each month
- A deposit of at least $50
- No withdrawals
- A month without them
Pays the 0.00% base rate on the whole balance.
- Who can open it
Anyone 13 or over
- Balance
The bonus is paid on balances up to $1,000,000.
Rate history
Last change 9 Oct- Reward Saver Account
- RBA cash rate
- Market average
October 20261 change
- 9Fri
- 3.20 → 3.45Bonus rate 3.20% → 3.45% · 9 days after the RBA rise to 4.60%+0.25
May 20261 change
- 29Fri
- 3.00 → 3.20Bonus rate 3.00% → 3.20% · 23 days after the RBA rise to 4.35%+0.20
- #61MarMar 2026: ranked 61 of 64
- #73AprApr 2026: ranked 73 of 76
- #76MayMay 2026: ranked 76 of 79
- #77JunJune 2026: ranked 77 of 79
- #78JulJuly 2026: ranked 78 of 80
- #78AugAug 2026: ranked 78 of 80
- #104SepSep 2026: ranked 104 of 120
- #120OctOct 2026: ranked 120 of 150
- #121NowNov 2026: ranked 121 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Mostly outside the top half of accounts over the last 9 months: from #120 of 150 in Oct 2026 to #78 of 80 in July 2026.
- A year meeting the conditions
- $1,725
- A year without meeting the conditions
- $0
- Against the average (4.37%)
- −$459
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
Notes from savers
to leave a note.
Other IMB Bank accounts: Reward Saver Kick Start 5.60% · Zoo Account 4.75%
Pays 3.45% p.a. total (0.00% base plus 3.45% bonus) as of 2 November 2026. Ranks 121st of 151 savings accounts tracked by BankMate, 0.92 points below the average of 4.37%. The rate last rose on 9 October 2026, 9 days after the RBA raised the cash rate to 4.60%. From IMB Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·