What products are available to share in Open Banking?

Eligible IMB members can request to share their CDR data for certain IMB products including their IMB savings and transactional accounts, term deposits, credit cards, home loans, personal loans, business loans, overdrafts, lines of credits and numerous other products. However, IMB has been granted an exemption by the ACCC from making available and providing CDR data in relation to its Retirement Savings Accounts (RSAs). IMB has ceased offering RSAs to new members and the number of active RSAs is very low. IMB is therefore not required to develop the extensive technology infrastructure required to obtain and share the relevant CDR data for this product.

Where can I find my account balances?

The Internet Banking home page lists all of your accounts and their balances. To access more details about each account including interest and transaction listings, you can either click on the account name or the account number. Alternatively, you can select an option from the Accounts tab.

How do I activate my card with Apple Pay?

For security reasons, IMB may require you to complete a verification check before activating your card with Apple Pay. If we require you to complete a verification check, we will either send you a one-time password to the mobile number you have registered with IMB, or we will ask you to contact us on 133 462. Apple Pay is a trademark of Apple Inc.,registered in the U.S. and other countries.

What type of IMB home loans can have a Family Guarantee?

Borrowers may choose from any IMB Home Loan. Regardless of the home loan the borrower chooses, loan repayments must be made on the basis of principal and interest payments whilst the guarantee is in place. Interest only repayments are not permitted. Further, Family Guarantees are not available for the purpose of buying an investment property.

What is a Family Guarantee on a Home Loan?

IMB’s Family Guarantee allows home buyers (especially first home buyers) to enter the property market sooner. A Family Guarantee allows family to assist their children in the purchase of a property without actually providing a cash gift or cash loan. It could also allow borrowers to include some of the costs of purchasing, such as stamp duty and legal costs in the loan amount. Under IMB’s Family Guarantee, the borrower (generally a first home buyer) receives assistance from an immediate family member(s), who provides additional security to cover the difference between the amount of the borrower’s savings and the maximum loan amount that IMB will usually lend without lender’s mortgage insurance, which is 80% of the value of the property being purchased. This additional security provided by the family member is provided in the form of a limited guarantee secured by a residential property owned by the family member, or secured by a Term Deposit lodged with IMB by the family member. Another option for borrowers with less than 20% deposit is the Home Guarantee Scheme which assist first home buyers and single parents purchase a home with as little as 5% deposit, while not paying the Lenders Mortgage Insurance.

IMB Bank

home loan Cashback

Home loan cashback

Up to $4,000 cashback for new purchase or refinance home loans with IMB.

Kick Start

Everyday Unlimited Kick Start

ALLIANZ INSURANCE

Get up to $200 cashback when you purchase insurance through IMB Bank^{^}

Buy a new Home & Contents, Landlord or Comprehensive Car insurance policy by 25 May 2025. T&Cs apply.

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Important Information

*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.

#$50 promotion is valid for new IMB members who have not held an Everyday Unlimited Kick Start Account before and open an Everyday Unlimited Kick Start Account between 8/5/2025 to 30/6/2025. Account eligibility requirements apply. Can not be used in conjunction with any other IMB account offer. Bonus $50 will be paid within 30 days of promotion end date. To be eligible for the $50 bonus, members must make a minimum of 3 transactions on the account by the end of the promotional period (11:59pm on 31/07/2025). ‘Transaction’ is defined as making a deposit, withdrawal or utilising a linked physical or digital Visa Debit Card. Offer limited to one bonus per account and not available with any other offer. The Everyday Unlimited Kick Start Account is available to individuals aged 13-17 and students, trainees and apprentices aged 18-30, studying or training with an organisation recognised by IMB in its absolute discretion. IMB reserves the right to change or withdraw this offer at any time.

^$200 cashback will be issued for each new Home or Landlord (including building or contents cover) Insurance Policy and $100 cashback will be issued for each new Comprehensive Motor Insurance Policy taken out through IMB Bank by 25/5/2025. Policy holders must have an eligible IMB transaction account to be eligible, and the cashback payment will be paid to this account. Where a policy has (2) or more policy holders and they do not hold an eligible IMB transaction account jointly, IMB may pay the cashback payment into an eligible IMB transaction account in the name of the first policy holder. IMB trading as IMB Bank ABN 92 087 651 974, AFSL/Australian Credit Licence No. 237 391 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from IMB Bank. Target Market Determinations available at imb.com.au/TMD. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.