Savings account · 13-29 years
IMB Bank Reward Saver Kick Start
5.60%p.a. total
0.00% base + 5.60% bonus when the conditions are met
18th of 151 savings accounts · market average 4.46%
The RBA raised the cash rate to 4.85% on 4 November. Reward Saver Kick Start hasn't moved yet. After the September rise it moved 9 days later.
What the bonus asks
2 things each month- Each month
- A deposit of at least $20
- No withdrawals
- A month without them
Pays the 0.00% base rate on the whole balance.
- Who can open it
13 to 29 year olds
- Balance
The bonus is paid on balances up to $100,000.
Rate history
Last change 9 Oct- Reward Saver Kick Start
- RBA cash rate
- Market average
October 20261 change
- 9Fri
- 5.25 → 5.60Bonus rate 5.25% → 5.60% · 9 days after the RBA rise to 4.60%+0.35
- #22SepSep 2026: ranked 22 of 120
- #12OctOct 2026: ranked 12 of 150
- #13NowNov 2026: ranked 13 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
In the top 10% for 2 of the last 3 months. Never below the top 25%.
- A year meeting the conditions
- $2,800
- A year without meeting the conditions
- $0
- Against the average (4.46%)
- +$571
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
Kick Start your savings with the IMB Reward Saver Kick Start Account. Designed for teens and young adults under 30.
Notes from savers
to leave a note.
Other IMB Bank accounts: Zoo Account 4.75% · Reward Saver Account 3.45%
Pays 5.60% p.a. total (0.00% base plus 5.60% bonus) as of 9 November 2026. Ranks 18th of 151 savings accounts tracked by BankMate, 1.14 points above the average of 4.46%. 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 ·