IMB Reward Saver Kick Start
- Maximum variable rate
- 4.75% p.a.
- Base interest rate
- 0.00% p.a.
- Minimum deposit
- $20
Our verdict
IMB's Reward Saver Kick Start is a savings account for kids and young students that offers a pretty high rate.
The IMB Reward Saver Kick Start is available for anyone aged 13 to 30, or students, trainees and apprentices aged 18 to 30.
While it doesn't offer the highest savings rate on the market, it's very competitive and quite easy to get. As long as you deposit $20 a month and make no withdrawals you can get a maximum rate of 4.75%.
Pros
-
High maximum rate
-
Conditions are easy to meet
Cons
-
Only for kids or students and apprentices aged 30 or under
Details
Product details
| Product Name | IMB Reward Saver Kick Start |
| Maximum Variable Rate | 4.75% p.a. |
| Standard Variable Rate | 0.00% p.a. |
| Monthly Account Fee | $0 |
| Minimum Opening Deposit | $1 |
| Minimum Age | 13 |
Key features
Interest rates
If you meet the conditions to earn the maximum interest rate, you can earn 4.75% on your savings.
If you don't meet the conditions the base rate is 0% however. But the conditions are simple: make no withdrawals and save $20 each month.
No account fees
There's no account fees with the IMB Reward Saver Kick Start.
Age restrictions
This account is aimed at young people. You can get it if you're aged 13 to 17, or if you're a student, trainee or apprentice aged anywhere between 18 and 30.
Balance requirements
This account is very flexible. You can open an account and start earning interest on as little as $0. You can earn the maximum interest rate on balances of up to $1 million.
How to apply
Eligibility
The IMB Reward Saver Kick Start is for Australian residents aged 13 to 17, or 18 to 30 if you're in education or training.
You can apply online in as little as 10 minutes. You'll just need your ID.
The IMB Reward Saver Kick Start was highly commended for Best Kids Savings Account in the 2026 Finder Awards. 
IMB scored in the Finder Awards
Sources
Your reviews
Richard Finder
Senior Money Editor
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