IMB BankZoo Account
An account made for Kids. The IMB Zoo Account is a fun, interactive account that encourages kids to save by rewarding them for their efforts.
At a glance
- Up to
- 4.75%
- Base rate
- 0.10%
- Bonus rate
- 4.65%
Rates
Every rate IMB Bank publishes for this account, 2 in all.
How the rate is made up
4.75%in a month every condition is met
To earn the bonus
- Maximum 0 withdrawal in a month
- Minimum $10 deposit required with no withdrawals to meet Bonus Interest Criteria
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | - | - | - | 4.65% | - | paid every 1 mo; Maximum 0 withdrawal in a month; Minimum $10 deposit required with no withdrawals to meet Bonus Interest Criteria; Standard Variable Bonus interest is payable when bonus interest criteria are met - a minimum $10 deposit and no withdrawals are made in the calendar month. |
| Variable | - | - | - | 0.10% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 23 Oct 2026 | Bonus | 4.40% | 4.65% | up 0.25 |
Each change is logged the night it appears in the rates IMB Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
23 fees published, grouped by when they're charged.
When you make a transaction5
- 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
$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
$25 - Manual deposit other institution$10
- Purchase of foreign currency
$10 or 1% of the value of the total order (whichever is greater).
1.00% of transaction - 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.
0.20% of transaction
When particular things happen18
- Audit Certificate
Per certificate
$30 - Copy of Financial Institution cheque
Maximum charge. Charges either wholly or partly imposed by third parties.
$16 - Copy of withdrawal or deposit form$15
- 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…
$25 - 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…
$30 - Interest statement - Electronic
Per page
$2.50 - Recalculation of interest
Per page
$30 - Research fee
Per page
$30 - Retrieval of archived documents
Per page
$20 - SMS Alerts
Per alert
$0.25 - Special clearance on cheques
Maximum charge. Charges either wholly or partly imposed by third parties.
$16 - Stop payment fee (IMB cheques)
Maximum charge. Charges either wholly or partly imposed by third parties.
$12.50 - Trace on Electronic Debit/Credit$20
- Trace on Financial Institution cheque
Charges either wholly or partly imposed by third parties.
$50 - Transaction Listing - Electronic - 10 pages and over
Per page
$0.50 - Transaction Listing - Electronic - up to 10 pages$5
- Transfers between accounts to cover overdrawn balance$15
- Unclaimed monies/dormant account
Maximum charge per account
$40
Features
- Direct Credit is available on this account type.
- Receive Electronic Funds Transfers (EFT) to this account type.
- IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
Eligibility and limits
- Maximum age 12
- Available to individuals
- Opening balance $1
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Published by IMB Bank under the Consumer Data Right, last changed by them on 23 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.