Everyday Unlimited Account
Access your money the way you want great features and unlimited transactions. A monthly account keeping fee applies, but is waived if you maintain a balance above $2,000 for the month.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Account Keeping Fee Charged monthly
| Ongoing | $6.00 |
| Special clearance on cheques Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| 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. | Purchase | 2.5% of transaction |
| Visa Debit Card - Cash advances (domestic & international) 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. | Cash advance | 2.5% of transaction |
| Other ATM - International ATM |
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
- 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.
- 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
Eligibility
- Pension recipients
- Individuals only
Constraints
- Opening balance — $1.00
More Information
Published by IMB Bank under the Consumer Data Right · Last updated 9 March 2026 · Product ID TSA-34-1 · View on CDR.gov.au