---
title: "Christmas Club Account — IMB Bank"
description: "Transaction & Savings Accounts 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/TSA-6-1
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-29T00:00:00+10:00
---

# Christmas Club Account — IMB Bank

> Transaction & Savings Accounts from IMB Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

Enjoy a hassle free Christmas with the IMB Christmas Club Account. Earn bonus interest for regular saving then access your savings in November and December to pay for Christmas.

## At a glance

- **Bonus rate:** 3.25% (conditions apply)

## Apply

Applications are handled by the provider: [Apply at IMB Bank](https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Bonus | 3.25% | — | yearly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Special clearance on cheques — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Trace on Electronic Debit/Credit | Event | $20.00 |
| Default Notice fee — A Default Notice fee of $30 will be debited from your deposit account or Personal Credit Line facility, where you are in breach of the PDS and/or the schedule and IMB issues a notice to you demanding monies. Refer to the PDS Member Guide to Transactional Banking for further information. | Event | $30.00 |
| Transfers between accounts to cover overdrawn balance | Event | $15.00 |
| Transaction Listing - Electronic - up to 10 pages | Event | $5.00 |
| Transaction Listing - Electronic - 10 pages and over — Per page | Event | $0.50 |
| Interest statement - Electronic — Per page | Event | $2.50 |
| Copy of withdrawal or deposit form | Event | $15.00 |
| Recalculation of interest — Per page | Event | $30.00 |
| Research fee — Per page | Event | $30.00 |
| Retrieval of archived documents — Per page | Event | $20.00 |
| Audit Certificate — Per certificate | Event | $30.00 |
| Unclaimed monies/dormant account — Maximum charge per account | Event | $40.00 |
| Bulk coin count — Maximum charge | Deposit | $5.00 |
| Total cash withdrawal over $2,000 in a day — A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day. | Withdrawal | 0.2% of transaction |
| Manual deposit other institution | Deposit | $10.00 |
| Trace on Financial Institution cheque — Charges either wholly or partly imposed by third parties. | Event | $50.00 |
| Copy of Financial Institution cheque — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Stop payment fee (IMB cheques) — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $12.50 |
| Foreign cheque conversion (value less than AU$10,000) — Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties | Deposit | $25.00 |
| Foreign cheque conversion (value AU$10,000 and greater) — Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties | Deposit | $50.00 |
| Purchase of foreign currency — $10 or 1% of the value of the total order (whichever is greater). | Withdrawal | 1% of transaction |
| SMS Alerts  — Per alert | Event | $0.25 |
| Default fee — When your savings account is overdrawn for 20 days, a Default fee will be debited from your account on the 20th day and a further Default fee debited each month thereafter while your account remains overdrawn. | Event | $25.00 |

## Features

- **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.)
- **Direct Credit is available on this account type.** — Direct Credit
- **Receive Electronic Funds Transfers (EFT) to this account type.** — Receive Electronic Funds Transfers
- **IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.** — Branch
- **IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.** — Telephone Banking
- **IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm** — Phone Banking Operator Assisted
- **Real-time payments (NPP)** (This account type is enabled to recieve Osko payments, via the New Payments Platform (NPP) only. Osko is the faster way to receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can  be paid in a matter of seconds)
- **Funds available after** (Funds available after 31 October)

## Eligibility

- **Pension recipients**
- **Individuals only**

## Constraints

- **Opening balance** — $1.00

## More information from IMB Bank

- [Overview](https://www.imb.com.au/banking/saving-accounts/christmas-club-account)
- [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: `TSA-6-1`
- Last updated by the provider: 28 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/imb-bank/TSA-6-1
- 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/TSA-6-1) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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