IMB BankEveryday Unlimited Kick Start Account
An everyday bank account made for teens and young adults under 30.
At a glance
- Base rate
- 0.00%
Rates
The one rate IMB Bank publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | - | 0.00% | - | - |
Fees
39 fees published, grouped by when they're charged.
When you make a transaction11
- 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 o…
2.50% of transaction - Bulk coin count
Maximum charge
$5 - 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
- 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 o…
2.50% of transaction - Australia Post - Bank@Post deposit, enquiry & failed transactions
Service availablility is at the discretion of the Australia post outlet
$4.50 - Other ATM - International ATM
Direct charge as determined by ATM Operator may also apply
$5 - Australia Post - Bank@Post withdrawal transaction
Service availablility is at the discretion of the Australia post outlet
$4.50 - 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 happen28
- Audit Certificate
Per certificate
$30 - BPAY payment return$5
- Card replacement (in excess of 1 p.a.)$10
- Copy of Financial Institution cheque
Maximum charge. Charges either wholly or partly imposed by third parties.
$16 - Copy of personal cheque$15
- 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 - Pin replacement (in excess of 1 p.a.)$5
- Recalculation of interest
Per page
$30 - Rejected post-dated BPAY$5
- Research fee
Per page
$30 - Retrieval of archived documents
Per page
$20 - SMS Alerts
Per alert. Everyday Unlimited and Everyday Unlimited Kick Start include 5 free SMS Alerts per month.
$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 - Stop payment personal cheque$15
- Trace on Electronic Debit/Credit$20
- Trace on Financial Institution cheque
Charges either wholly or partly imposed by third parties.
$50 - Trace on personal 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 - Urgent Visa card mailing$20
- Visa voucher request
Per request. Charges either wholly or partly imposed by third parties, such as Visa.
$15 - Overseas Visa card replacement
Charges either wholly or partly imposed by third parties.
$150
Features
- Direct debit is available on this account type.
- Direct Credit is available on this account type.
- Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking
- Make and receive Electronic Funds Transfers (EFT) from this account type.
- Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.
- IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
- IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
- As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date
- PayTo is available on this account type.
Eligibility and limits
- Minimum age 13
- Maximum age 29
- Available to individuals
- Opening balance $1
- An individual that meets the eligibility criteria may only hold one Everyday Unlimited Kick Start Account
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Published by IMB Bank under the Consumer Data Right, last changed by them on 22 Sept 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.