Cash Management Account
Enjoy competitive interest rates without the need to lock your money away.
- Base rate
- 2%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0.05% | $5,000 to $9,999.99 | monthly |
| Variable | 0% | Up to $4,999.99 | monthly |
| Variable | 2% | $100,000 to $249,999.99$250,000 and over | monthly |
| Variable | 1.65% | $50,000 to $99,999.99 | monthly |
| Variable | 1.45% | $10,000 to $19,999.99$20,000 to $49,999.99 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Special clearance on cheques Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Phone Banking - Operator Assisted – Purchase Financial Institution Cheque Per cheque | Withdrawal | $6.00 |
| Phone Banking - Operator Assisted – Cheque bill payments Per cheque | Withdrawal | $6.00 |
| Phone Banking - Operator Assisted - All other financial transactions Excludes phone enquiry, Cheque withdrawal/cheque bill payment. | Transaction | $0.50 |
| Visa Debit Card - EFTPOS transaction, cash-out & decline Fee payable if the transaction is processed via EFTPOS at the merchant’s election, including contactless Visa debit card transactions. | Transaction | $0.85 |
| Visa Debit Card - International purchase A transaction fee of the higher of $5 or 2.5% is charged for any international purchase made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any other currency) where either the merchant or the entity processing the transaction is located outside Australia. Note: it may not always be clear to you that the merchant or entity processing the transaction is located outside Australia. |
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
- Free transaction allowance
- IMB's Member Transaction Allowance applies to offset transaction fees on this account.
- Overdraft available
- A Personal Credit Line can be linked to this account type for eligible members. IMB lending criteria, terms and conditions, fees and charges apply.
- 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.
Eligibility
- Pension recipients
- Individuals only
Constraints
- Opening balance — $5,000.00
More Information
Published by IMB Bank under the Consumer Data Right · Last updated 28 May 2026 · Product ID TSA-23-1 · View on CDR.gov.au · View Source Data (JSON)