Savings account · Up to 12 years
IMB Bank Zoo Account
4.75%p.a. total
0.10% base + 4.65% bonus when the conditions are met
86th of 151 savings accounts · market average 4.37%
The RBA raised the cash rate to 4.60% on 30 September. Zoo Account moved on 23 October, 23 days later.
What the bonus asks
2 things each month- Each month
- A deposit of at least $10
- No withdrawals
- A month without them
Pays the 0.10% base rate on the whole balance.
- Who can open it
Anyone under 13
- Balance
No balance cap.
Rate history
Last change 23 Oct- Zoo Account
- RBA cash rate
- Market average
October 20261 change
- 23Fri
- 4.50 → 4.75Bonus rate 4.40% → 4.65% · 23 days after the RBA rise to 4.60%+0.25
May 20261 change
- 29Fri
- 4.25 → 4.50Bonus rate 4.15% → 4.40% · 23 days after the RBA rise to 4.35%+0.25
- #60AprApr 2026: ranked 60 of 76
- #59MayMay 2026: ranked 59 of 79
- #63JunJune 2026: ranked 63 of 79
- #64JulJuly 2026: ranked 64 of 80
- #64AugAug 2026: ranked 64 of 80
- #78SepSep 2026: ranked 78 of 120
- #84OctOct 2026: ranked 84 of 150
- #86NowNov 2026: ranked 86 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Mostly outside the top half of accounts over the last 8 months: from #84 of 150 in Oct 2026 to #64 of 80 in July 2026.
- A year meeting the conditions
- $2,375
- A year without meeting the conditions
- $50
- Against the average (4.37%)
- +$191
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% · Reward Saver Account 3.45%
Pays 4.75% p.a. total (0.10% base plus 4.65% bonus) as of 2 November 2026. Ranks 86th of 151 savings accounts tracked by BankMate, 0.38 points above the average of 4.37%. The rate last rose on 23 October 2026, 23 days after the RBA raised the cash rate to 4.60%. From IMB Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·