--- title: "Personal Line of Credit — IMB Bank" description: "Overdrafts from IMB Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/imb-bank/products/OD-2-1 source: "CDR Compare" language: en-AU last_updated: 2026-03-04T10:00:00+11:00 --- # Personal Line of Credit — IMB Bank > Overdrafts from IMB Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Overdrafts** An IMB Personal Line of Credit works in conjunction with your everyday banking account, so you have the simplicity of managing one account with the added benefit of easy access to extra funds as you need them. ## At a glance - **From:** 13.85% (Variable) ## Apply Applications are handled by the provider: [Apply at IMB Bank](https://www.imb.com.au/personal-and-car-loan-enquiry) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable | 13.85% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Fees and charges apply to linked account IMB deposit account. — Personal Credit Line facility must be linked to an IMB deposit account. Terms, conditions, fees and charges apply to the linked account. Please consider the PDS available from IMB in relation to IMB deposit products and facilities. | Other | $0.00 | ## Features - **Card access** — IMB Visa Debit Card and Cashcard available (Visa Debit Card is not available to individuals under 15) - **Additional cards** (Account holders may hold both a Visa Debit and Cashcard per eligible account) - **Digital banking** (Internet Banking and Mobile Banking App.) - **PayID** (Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments.) - **Real-time payments (NPP)** (This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds) - **Bill payment (BPAY)** — BPAY (BPAY® is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.) - **Notifications** — IMB Alerts (IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.) - **Direct debit is available on this account type.** — Direct Debit - **Direct Credit is available on this account type.** — Direct Credit - **Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking** — Scheduled Payments - **Make and receive Electronic Funds Transfers (EFT) from this account type.** — Electronic Funds Transfer - **Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.** — Bank@post - **IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.** — Branch - **IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm** — Phone Banking Operator Assisted - **As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date** — Chequebook - **Digital wallet** — Apple Pay. (Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.) - **Digital wallet** — Google Pay. (Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.) - **Digital wallet** — Samsung Pay. (Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.) - **Digital wallet** — Garmin Pay. (Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.) - **Extra repayments** (Unrestricted additional repayments) - **PayTo is available on this account type.** — PayTo ## Eligibility - **Lending criteria, terms and conditions apply** - **Personal Credit Line must be linked to an IMB deposit account. Please consider the PDS available from IMB before making a decision about this product** - **You must have a good credit history and a monthly income.** - **Minimum age** — 18 years ## Constraints - **Minimum limit** — $500.00 - **Maximum limit** — $20,000.00 ## More information from IMB Bank - [Overview](https://www.imb.com.au/banking/personal-loans/personal-line-of-credit) - [Terms & conditions](https://www.imb.com.au/important-information) - [Fees & pricing](https://www.imb.com.au/help-centre/rates-and-fees) ## Data provenance - Published by IMB Bank under the Consumer Data Right - Product ID: `OD-2-1` - Last updated by the provider: 3 March 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/imb-bank/OD-2-1 - Provider page: https://www.cdrcompare.au/brands/imb-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000096 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/imb-bank/products/OD-2-1) — product data published by Australian data holders under the Consumer Data Right. 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