You can bank on

*IMB lending criteria, terms and conditions, fees and charges apply. Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 18/10/24 until Offer is withdrawn. Purchase loans must settle within 180 days of application and refinanced loans must settle within 90 days of application. Borrowers are eligible for one Cashback Payment in a 12-month period. Cashback Payment for loans valued between $250,000 and $499,999 is $2,000, Cashback Payment for loans valued between $500,000 and $749,999 is $3,000, and Cashback Payment for loans valued $750,000 and over is $4,000. One Cashback Payment will be paid per eligible application, into the primary borrower’s IMB Transaction Account within 60 days of settlement. Excludes: refinance of IMB loans, commercial, construction and bridging loans. For full terms and conditions see www.imb.com.au/cashback. This Offer may be varied or withdrawn at any time.

**Promotion is open to IMB members who hold an IMB Everyday 50PLUS Account and reside in NSW, ACT, Victoria or Queensland. Promotion opens 17/02/2025 9:00am and concludes 31/03/2025 23:59pm AEDST or upon 800 redemptions (whichever is earlier). A transaction of $250 or more made at Bunnings Group Ltd using an IMB issued Visa Debit Card (physical or digital) linked to an Everyday 50PLUS Account is one (1) Qualifying Transaction. The member will be eligible to receive a $50 cashback paid into the Everyday 50PLUS Account used to make the Qualifying Transaction within 60 days and receive an entry into the ‘IMB Visa Cashback and Prize Draw Campaign’ major prize draw where their Qualifying Transaction is completed within the first 800 Qualifying Transactions during the Promotion Period. Entrants are eligible to receive one (1)$50 cashback each 14-day period throughout the Promotion Period (maximum of $150 cashback). The major prize is a holiday package to Hamilton Island valued at $15,000(AUD) and the winner will be selected at random. The major prize draw will take place on the 24/04/2025 at IMB Head Office, Level 1, 47 Burelli St, Wollongong NSW 2500. The Everyday 50PLUS Account used to make the Qualifying Transaction must be active at the time of payment in order to receive the cashback and/or the major prize.IMB’s ‘General Conditions of Entry into Promotions and Competitions held by IMB’ apply to this competition and are available upon request from any IMB Branch. IMB reserves the right to change or withdraw these offers at any time. Permit numbers; NSW Authority TP-04139, ACT Permit No. ACT TP 25/00290.1. Full T&Cs available at www.imb.com.au/important-information. Eligibility criteria applies.

^Online discount:
Building and contents - When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to
Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
Landlord - When you both quote and buy a new landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to
Landlord workers’ compensation (if available and selected), or upon on renewal. Minimum premiums may apply.
Motor - The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to our standard rates
(excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
Minimum premiums - Minimum premiums may apply. Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn’t reached. If more than one
discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not
apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.

1. The interest rate shown is payable on balances up to $1M only. The Introductory Fixed Bonus Interest Rate is payable for the first 4 interest payments for new accounts opened from 1 September 2023, for new or existing Members who have not held a Reward Saver account before. For joint accounts, all members must be eligible to receive the Introductory Fixed Bonus Interest. To earn both the Introductory Fixed Bonus Interest Rate and Standard Variable Bonus Rate the account holder must make a minimum $50 deposit and no withdrawals per month (Bonus Interest Criteria). If the Bonus Interest Criteria is not met for the calendar month, both the Standard Variable Bonus Rate and Introductory Fixed Bonus Interest Rate are forfeited.

2. Rates and terms negotiable for amounts of $100,000 and over held in a Negotiable Interest Term Account. 6 month term is treated as 183 days for the purposes of term length and interest calculations.