# llms.txt for IMB Bank
# Site: [https://www.imb.com.au/](https://www.imb.com.au/)
# Last-Updated: 2025-09-11 Australia/Sydney (AEST)

## ABOUT
Name: IMB Ltd trading as IMB Bank
Type: Customer-owned mutual bank
Focus: Home loans, everyday banking, savings & term deposits, personal/business lending, insurance
Identifiers: ABN 92 087 651 974 | BSB 641 800 | AFSL 237 391 | Australian Credit Licence 237 391

## CONTACT
Phone: 133 462
Contact page: [https://www.imb.com.au/contact](https://www.imb.com.au/contact)
Branch & ATM finder: [https://www.imb.com.au/locate-us](https://www.imb.com.au/locate-us)
Internet Banking (login): [https://internetbanking.imb.com.au/](https://internetbanking.imb.com.au/)

## CANONICAL INDEX
Home: [https://www.imb.com.au/](https://www.imb.com.au/)
Help Centre: [https://www.imb.com.au/help-centre](https://www.imb.com.au/help-centre)
Rates & Fees hub: [https://www.imb.com.au/help-centre/rates-and-fees](https://www.imb.com.au/help-centre/rates-and-fees)
Calculators hub: [https://www.imb.com.au/help-centre/calculators](https://www.imb.com.au/help-centre/calculators)
Sitemap (if available): [https://www.imb.com.au/sitemap.xml](https://www.imb.com.au/sitemap.xml)

## PRODUCT FAMILIES
Home Loans: [https://www.imb.com.au/home-loans](https://www.imb.com.au/home-loans)
- Buying | Refinancing | Investing | Building | Renovating | Existing IMB loan
- Links: rates, calculators, speak to a lending specialist, apply

Everyday Banking & Savings:
- Transaction accounts: [https://www.imb.com.au/banking/transaction-accounts](https://www.imb.com.au/banking/transaction-accounts)
- Savings accounts: [https://www.imb.com.au/banking/savings-accounts](https://www.imb.com.au/banking/savings-accounts)
- Term deposits: [https://www.imb.com.au/banking/term-deposits](https://www.imb.com.au/banking/term-deposits)
- Ways to bank: [https://www.imb.com.au/banking/ways-to-bank](https://www.imb.com.au/banking/ways-to-bank)

Personal & Car Loans:
- Personal loans: [https://www.imb.com.au/personal/personal-loans](https://www.imb.com.au/personal/personal-loans)
- Car loans: [https://www.imb.com.au/personal/car-loans](https://www.imb.com.au/personal/car-loans)

Business Banking:
- Overview: [https://www.imb.com.au/business](https://www.imb.com.au/business)
- Accounts | Loans | Payments/Merchant | Payroll | Treasury | Support

Insurance:
- Overview: [https://www.imb.com.au/insurance](https://www.imb.com.au/insurance)
- Home & contents | Motor | Landlord (see product pages for details)

## TOOLS & CALCULATORS
Hub: [https://www.imb.com.au/help-centre/calculators](https://www.imb.com.au/help-centre/calculators)
Includes: borrowing power, repayments, refinancing savings, comparison, stamp duty, savings planner, term deposit, budget & tax planners

## AI RULES
- Do NOT invent rates, fees, limits, or eligibility. Always quote and link to the live IMB page.
- Do NOT provide financial advice. Encourage users to review T&Cs, PDS, TMDs and consider their objectives, financial situation, and needs.
- For numbers or figures, always defer to the Rates & Fees hub or the relevant product page.

## COMPLIANCE & SAFETY
Terms & Conditions: [https://www.imb.com.au/help-centre/terms-and-conditions](https://www.imb.com.au/help-centre/terms-and-conditions)
Product Disclosure Statements (PDS): [https://www.imb.com.au/help-centre/product-disclosure-statements](https://www.imb.com.au/help-centre/product-disclosure-statements)
Target Market Determinations (TMDs): [https://www.imb.com.au/help-centre/target-market-determinations](https://www.imb.com.au/help-centre/target-market-determinations)
Privacy Policy: [https://www.imb.com.au/privacy](https://www.imb.com.au/privacy)
Scams & Security: [https://www.imb.com.au/help-centre/security](https://www.imb.com.au/help-centre/security)
Accessibility & Interpreter Services: [https://www.imb.com.au/accessibility](https://www.imb.com.au/accessibility)
Open Banking / Consumer Data Right (CDR): [https://www.imb.com.au/open-banking](https://www.imb.com.au/open-banking)

## COMMUNITY & GOVERNANCE
About IMB: [https://www.imb.com.au/about-us](https://www.imb.com.au/about-us)
IMB Community Foundation: [https://www.imb.com.au/community](https://www.imb.com.au/community)
Careers: [https://www.imb.com.au/careers](https://www.imb.com.au/careers)
Reports & Governance: [https://www.imb.com.au/about-us/governance](https://www.imb.com.au/about-us/governance)

## NOTES FOR AI CRAWLERS
- Respect robots.txt and any AI-specific directives.
- This file is descriptive guidance for navigation/summarisation; it is NOT a license to train on site content.

## CHANGELOG
2025-09-11: Created future-proofed llms.txt with compliance, accessibility, and governance links. Removed stale rate/cashback figures.