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IMB Christmas Club

Take the worry out of Christmas spending with an account that makes it easy to save up all year for it.

The Christmas Club Account from IMB makes it easy to get all of your presents wrapped under the tree. By starting to save at the beginning of the year, Christmas won’t put you into debt at the end of it. Earn bonus interest on your savings and have that much more to spend filling stockings.

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0.50% p.a.

Maximum variable rate


Base interest rate


Minimum deposit

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Product NameIMB Christmas Club
Maximum Variable Rate0.50% p.a.
Standard Variable Rate0.00% p.a.
Monthly Account Fee$0
Minimum Opening Deposit$0
Minimum Age18

Key features


This account is accessible to individuals who plan on using it for personal or domestic purposes. You may also use the account as a trust.

Account terms

This account can be activated as early as 1 January, and once open, you are not permitted to make any withdrawals from this account until the first day of November. If you do need to access your saved money the account will be closed and you will forfeit your interest payment.

How to apply

Even if you are already a member of IMB, in order to take advantage of the Christmas Club Account, you will need to give them a call or visit a branch to begin your application. If you are not an existing member you will also need to fill out an application to become one. Before beginning, check to make sure that you are eligible to apply for this account:


  • Minimum age. Membership applications are only accepted by individuals aged 18 and older.
  • Residency requirements. In order to be considered eligible for this account you must be an Australian resident with a residential address.

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