IMB Reward Saver Kick Start Summary
Description
Kick Start your savings with the IMB Reward Saver Kick Start Account. Designed for teens and young adults under 30.
Benefits
- No monthly savings-account fee.
Hoops
- Available to ages 13 to 29.
- For bonus interest, deposit at least $20 each month. Check the full requirements below.
- Withdrawals can forfeit bonus interest.
- Ongoing rate cap: $100,000. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | IMB Reward Saver Kick Start |
|---|---|
| Maximum variable rate | 5.60% p.a. |
| Ongoing interest rate | 5.60% p.a. |
| Base interest rate | 0.00% p.a. |
| Minimum age | 13 years |
Source: noren.com.au
All comparison details
| Base | 0.00% |
|---|---|
| Ongoing | 5.60% |
| Ongoing cap | $100K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 1 |
| Dep $/mth | $20 |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 0 |
| Min age | 13 |
| Max age | 29 |
| Fee/mth | $0 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.00% p.a., before bonus interest.
- Ongoing: 5.60% p.a. when bonus conditions are met. Up to $100k.
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.00% | This band only | All balances |
| Ongoing total, conditions met | 5.60% | This band only | First $100k |
| Ongoing total, conditions met | 3.45% | This band only | Over $100k to $1m |
| Ongoing total, conditions met | 0.00% | This band only | Over $1m |
Source: noren.com.au
Share/Export
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Requirements
- Deposit at least $20 and make no withdrawals during the calendar month. If qualification fails, all bonus components are forfeited. Bonuses apply to their respective balance portions, not as whole-balance cliff rates.
- Provider fee review 29 October 2026: this savings account has no monthly account-keeping fee. This does not waive transaction, statement, special-service or separately linked-account charges, their published conditions still apply.
- Qualification timing: Requirements are assessed in the current month. Check the settlement deadlines and exclusions in the requirements.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with IMB.
- Individual applicants only
- Age 13 or over.
- Age 29 or under.
- Current Kick Start cohort only, age 13–29, converts at 30. The historical pre-September-2021 fixed-bonus cohort is not advertised as available to new applicants. The 2.15% Kick Start increment is ongoing, not a four-month introduction.
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Sources & review
Noren aggregates information from multiple primary sources to ensure you're getting the most up-to-date, accurate information. All product information is peer reviewed.
Collected and verified on 31 Oct 2026.