Get tailored products, services and advice for you

Start with the account designed for your new life

Newcomer Banking Bundle

Pay no monthly fee for up to 24 months

to access this special offer. Opens in a dialog.

CIBC Smart Account for Newcomers


Apply for a CIBC Smart Account and credit card together — it's easy

CIBC Dividend Platinum Visa Card.
CIBC Dividend Visa Card.
Cibc Visa Aventura Gold Card.
CIBC Aventura Visa Card.
CIBC Aeroplan Visa Card.

Not sure which product is best for you?

Get tailored advice about banking offers that fit your unique needs with the CIBC SmartTM Guide to Canada. Answer a few basic questions to get personalized guidance.

Whether you're planning your journey, just arrived or already settled, we'll help you get started with bank accounts and credit cards that suit you.

More ways to manage your money

CIBC Global Money Transfer™

Credit cards for newcomers

CIBC Foreign Cash™

about getting foreign cash.

Buying a home in Canada

Set yourself up for success in school and beyond

Special offer

Get $100

Students and youth under 25

CIBC Smart Start

  • No monthly fee on a CIBC Smart Account fee until age 254
  • Free unlimited Interac e-Transfer® transactions5
  • Free unlimited debit and Visa* Debit transactions in Canada
  • One free non-CIBC ATM withdrawal in Canada per month6

Students 25 and older

CIBC Smart for Students

  • No monthly fee on a CIBC Smart Account for as long as you study full time7
  • Free unlimited Interac e-Transfer transactions5
  • Free unlimited debit and Visa* Debit transactions in Canada
  • One free non-CIBC ATM withdrawal in Canada per month6

Apply for student banking and a credit card together — it's easy

cibc dividend visa card for students
CIBC Classic Visa Card For Students.
CIBC Aventura Visa Card for Students.
CIBC Aeroplan Visa Card for Students.

More ways to save and manage your money

Get instant student savings with SPC 

Pay for everyday purchases with a no-fee student credit card

Get $25 when you refer a friend◊◊

Open and fund a Canadian bank account before you arrive

about funding your bank account before you arrive in Canada.

Bank anywhere with CIBC Mobile Banking®

Get more from our award-winning app

CIBC ranked #1 in customer satisfaction Opens in a new window. for mobile banking apps in Canada by J.D. Power.

Manage your money right from your phone

Check your transactions in real time and deposit cheques using your phone's camera.

Bank safely and confidently

Securely access your accounts with fingerprint, face ID or password.

Bank on the go. Download the app today.

Koodo phone plan

CIBC Newcomer clients will receive an exclusive offer from Koodo to save money on their mobility plan.

Pre-paid Koodo SIMs

Get 30 days of free Canada-wide Koodo service with a CIBC account, featuring 7GB + unlimited Canada-wide call and text.

Learn moreabout pre-paid Koodo SIMs for CIBC Newcomer clients.


CIBC is proud to partner with Canoo to help Newcomers discover the best of Canada for free. The Canoo Cultural Pass provides newcomers with VIP access to over 1,400 of our country’s most exciting cultural and outdoor experiences.

Learn more about Canoo. Opens in a new window.

Let's get in touch

Call us anytime

Book a meeting

Visit a branch or ATM