In this guide

  • Our verdict
  • Details
    • Key details
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Maximum variable rate
2.40% p.a.
Base interest rate
Minimum deposit

Our verdict

With IMB, there’s no need for an investor to lock their money away in order to see a return on their cash.

Look closely at the details of the DIY Super if you need a banking solution for when you're in between investment options.


  • $0 monthly account keeping fee
  • Unlimited free internet, mobile and phone banking


  • Only available for SMSFs

In this guide

  • Our verdict
  • Details
    • Key details
  • Key features
  • How to apply
  • Your reviews
  • Ask a question

Designed specifically to help with a self-managed super fund (SMSF), the DIY Super Account is an interest earning hub where you are permitted to access your savings. This flexible investment account doubles as a transaction account, making it easy to move your SMSF money around when you need to.


Key details

Product Name IMB DIY Super
Maximum Variable Rate 2.40% p.a.
Standard Variable Rate 2.40% p.a.
Monthly Account Fee $0
Minimum Opening Deposit $0
Minimum Age 18

Key features

Ongoing variable rate of 2.4% p.a.

This account offers an ongoing variable rate of 2.4% p.a. on balances $5,000 or above.


This account is meant to be used by registered SMSFs only. It cannot be used for personal or domestic purposes.

Launch savings calculator

How to apply

If you find that the DIY Super will help you with your investment goals, you will need to speak with a representative from IMB in order to start your application. There is no need to apply for membership first, as this will be a part of your banking account application.


There are other eligibility requirements that you will be asked to meet such as:

  • Minimum age. There is no minimum age stipulation stated by IMB, but if you are under 18 you should check with a representative before continuing with an application.
  • Residency requirements. IMB is expanding, but as of this time membership and account holding is only available to Australian residents living in Victoria, Queensland, South Australia, and The Australian Capital Territory.

Your reviews

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October 03, 2023

What is the policy on crypto currency and purchasing with smsf


Elizabeth Barry Finder

October 05, 2023

Hi Luke,

There is no specific policy around this in the product disclosure statement or target market determination but IMB specifies that the account may only be used to deposit funds and make transactions using the funds to operate the SMSF. It is also under the discretion of IMB whether it accepts a deposit into the account.

If you have specific questions about types of transactions, such as crypto, it would be best to direct these to IMB directly.



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Angela Cramp

November 22, 2021

What is the best available offer for a corporate trustee bank account and for the SMSF


Alison Banney Finder

November 27, 2021

Hi Angela,

If you’re referring to the highest interest rate IMB DIY Super can offer, it’s 0.5% p.a. This introductory bonus interest on top of the base rate is available to new account holders with a balance of $5,000 or above for the first 4 months upon account activation. It’s worth noting that the variable interest rate may change following the RBA Cash Rate.

I hope this helps!



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