IMB Christmas Club Account Summary
Description
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.
Benefits
- No monthly savings-account fee.
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- Bonus interest depends on meeting the provider’s requirements.
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Details
Key details
| Product name | IMB Christmas Club Account |
|---|---|
| Maximum variable rate | 3.50% p.a. |
| Ongoing interest rate | 3.50% p.a. |
| Base interest rate | 0.00% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| Base | 0.00% |
|---|---|
| Ongoing | 3.50% |
| Ongoing cap | No cap |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | - |
| Max age | - |
| 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: 3.50% p.a. when bonus conditions are met. No upper cap.
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.00% | Whole balance | All balances |
| Ongoing total, conditions met | 3.50% | Whole balance | All balances |
Source: noren.com.au
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Requirements
- No withdrawals from 1 January to 31 October: a withdrawal closes the account and forfeits the annual bonus. Access is available in November and December. Interest accrues daily and is paid after close of business on the last day of October. This is an annual seasonal restriction, not a uniform monthly withdrawal allowance.
- 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.
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
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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.