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IMB Bank · Transaction accounts
Business Cash Management Account
IMB Bank's Business Cash Management Account is a transaction account. The figures are the ones IMB Bank publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 4.25% to 4.50%.
Advertised rate
4.50%
headline tier
Tiers
7
current rate rows
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 4.25% and 4.50% over the last 30 days.
4.50% is the 2.50% base plus a 2.00% welcome rate for 4 months, for new customers on balances up to $249,999; 2.75% after that.
Every current rate (7)
| Tier | Rate |
|---|---|
| Variable, $5,000 to $9,999$5,000 to $9,999.99 | 0.05% |
| Variable, $10,000 to $19,999$10,000 to $19,999.99 | 1.75% |
| Introductory 4 months, $20,000 to $249,999Introductory Fixed Bonus Interest Rate is payment for the first 4 interest payments for new accounts open from 2nd September 2025, for... | 2.00% |
| Variable, $20,000 to $49,999$20,000 to $49,999.99 | 2.00% |
| Variable, $50,000 to $99,999$50,000 to $99,999.99 | 2.25% |
| Variable, $100,000 to $249,999$100,000 to $249,999.99 | 2.50% |
| Variable, $250,000 and over | 2.75% |
Rate moves, last 30 days
- 9 October 2026: 5 tiers lifted 0.25pp; the lowest, Variable, $10,000 to $19,999, from 1.50% to 1.75%.
Published fees
| Fee | Amount |
|---|---|
| Monthly Account Keeping Feerecurring | $6 |
| Special clearance on chequeswhen it happens: Maximum charge. | $16 |
| Phone Banking - Operator Assisted - Purchase Financial Institution Chequeper withdrawal: Per cheque | $6 |
| Phone Banking - Operator Assisted - Cheque bill paymentsper withdrawal: Per cheque | $6 |
| Phone Banking - Operator Assisted - All other financial transactionsper transaction: Excludes phone enquiry, Cheque withdrawal/cheque bill payment. | $0.50 |
| Visa Debit Card - EFTPOS transaction, cash-out & declineper transaction: Fee payable if the transaction is processed via EFTPOS at the merchant’s election, including contactless Visa debit card transactions. | $0.50 |
| Visa Debit Card - International purchaseper 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 co | see lender |
| Visa Debit Card - Cash advances (domestic & international)per cash advance: 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 co | see lender |
| Cashcard - EFTPOS transaction, cash-out & declineper transaction | $0.50 |
| IMB ATM - Cheque depositper deposit: Fee applies to each account that a cheque is deposited into. | $0.75 |
| IMB ATM - ATM withdrawal (including Visa Debit Card)per withdrawal | $0.50 |
| IMB ATM - balance enquiry or failed transactionper transaction | $0.25 |
Other IMB Bank transaction accounts
Zoo Account 4.65%Christmas Club Account 3.50%DIY Super Account 2.90%Everyday 50PLUS Account 2.70%Cash Management Account 2.25%Business Tax Management Account 0.01%Business Transaction Account 0.01%Everyday Account 0.01%Real Estate Business Account 0.01%
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