♢ The Offer begins July 1, 2025 and ends June 30, 2026. You must have a CIBC SmartTM Account for Newcomers to be eligible. Free Trade Offer applies to new eligible account(s) during the Offer Period online or by visiting a CIBC Banking Centre using promo code EDGENC25. 100 commission-free online stock and ETF trades will be added to your account upon its opening. Any unused free trades will expire within 2 years from the date your account is opened and can’t be transferred to another CIBC Investor’s Edge account or used after the expiry date. Eligible account types include Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), First Home Savings Account (FHSA), Non-registered account (personal) and Registered Retirement Income Fund (RRIF), For full Offer details, review the terms and conditions (PDF, 40 KB) Opens a new window..
† The New CIBC Smart™ Account Offer (the “Offer”) begins on November 20, 2025 at 12:01 a.m. ET (the “Offer Start Date”). The Offer is open to residents of Canada who: (i) are age 25 and older, (ii) from January 1, 2022 to the time of opening their CIBC Smart Account (the “Account”), were not a holder of any CIBC chequing account as determined by CIBC on the basis of its official records, and (iii) are not CIBC employees or retired employees.
To qualify to receive a $500 cash reward, on or after the Offer Start Date open a CIBC Smart Account and provide your email address. Within two months of opening the Account, set up and execute 1 or more recurring direct deposit(s) totaling $500 or more per month from your employer, government, or your pension, and complete at least 1 of the following 3 activities:
(i) 2 separate recurring pre-authorized debits in the same calendar month;
(ii) 5 eligible Visa Debit purchases in the same calendar month; or
(iii) 2 online bill payments of at least $50 each in the same calendar month.
The direct deposit(s) and the pre-authorized debits must recur either weekly, biweekly, monthly or twice per month and remain in effect for at least 1 year from after the month that the CIBC Smart Account was opened. Unless otherwise indicated, this offer cannot be combined with any other chequing account offer, rebate, reward, or the CIBC Smart(TM) Start or CIBC Smart(TM) for Students benefit on the CIBC Smart Account.
Cash reward will be deposited into the qualifying CIBC Smart Account within 7 months after the month you opened the Account. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms for any reason without notice. Other conditions apply; review the terms and conditions (PDF, 170 KB) Opens a new window..
‡ The CIBC Smart™ Account for Newcomers is offered to those who have received landed immigrant or permanent resident status in the last 5 years, or those who are temporary resident workers who have a Canadian work permit issued for at least a 12-month term. Must show proof of entry into Canada and provide supporting documents such as landing papers, permanent resident card or Canadian work permit (IMM 1442). Monthly account fee is rebated for two years after which regular monthly account fees apply without notice.
◇ $100 Skip Gift Card Offer begins on November 20, 2025, at 12:01 a.m. ET and ends on December 9, 2025, at 9:00 p.m. ET (the “Offer Period”). Offer available to residents of Canada who open a CIBC Smart Account and from January 1, 2022 to the time of opening the account, are not holders (or joint holders) of a CIBC chequing account, as determined by CIBC at its sole discretion. To qualify for a $100 digital Skip gift card, open an eligible CIBC Smart Account during the Offer Period and provide a valid email address. By January 31, 2026, complete five (5) Eligible Visa* Debit purchases (online, in-app, by phone or by mail order). Eligibility of transactions will be determined by CIBC in its sole discretion (see the terms and conditions (PDF, 135 KB) Opens a new window. for definition of Eligible Visa Debit purchases). Offer can be combined with the $500 Offer for New CIBC Smart Account (PDF, 170 KB) Opens a new window., the $125 Offer for CIBC Smart Start and CIBC Smart for Students (PDF, 125 KB) Opens a new window., and the CIBC Refer-a-Friend Program (PDF 115 KB) Opens a new window.. Unless otherwise indicated, this Offer cannot be combined with any other chequing account offer, reward or rebate. The $100 digital Skip gift card will be sent to the email address we have on file for the Eligible Client no later than May 31, 2026. E-mail addresses must be valid and operational at the time of offer fulfillment. By participating in this Offer, you agree to CIBC collecting, using, disclosing and sharing your personal information to administer this Offer. CIBC may share this information with third parties who may be outside of your province or Canada. For more information, please review the CIBC Canada Client Privacy Policy Opens a new window.. Our Privacy Policy tells you more about your privacy rights and choices. Limit of one reward per account. Skip Gift Card Terms Opens a new window. apply. Other conditions apply; review the terms and conditions (PDF, 135 KB) Opens a new window..
†† To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC Opens a new window.. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
✦ In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for: (i) a 12-month Skip+ free trial, (ii) a discounted monthly Skip+ subscription fee of $6.99 plus applicable taxes following the end of the 12-month free trial period (while available and subject to change), and (iii) a Skip welcome voucher (up to $45 in value) (collectively, the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their Skip Account (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.
12-month free trial and discounted subscription fee: Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply a 12-month free trial of Skip+ to your Linked Account. Following the expiry of the 12-month free trial period, your Skip+ subscription will automatically renew at a discounted monthly price of $6.99 plus applicable taxes (while available and subject to change), unless you cancel your subscription earlier or the Program or Offer ends.
Welcome Voucher: Within 48 hours of linking your Eligible Card to your Skip Account, Skip will deliver an email to the email address associated with your Linked Skip Account containing a welcome voucher code. The voucher code can be used at checkout to get $15 off orders of $30 or more (before taxes, tips, and fees) and can be redeemed up to three times (up to $45 in value). The voucher code cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days upon receiving the voucher code email from Skip.
The Program and Offer are valid for orders made using an Eligible Card. In order to be eligible for the Program and Offer benefits, you must use an Eligible Card at checkout. Third party digital wallets (e.g. Apple Pay, Google Pay or Samsung Pay) are excluded from the Program and Offer. The Program and Offer are only valid where Skip is available. Offer has no cash value and may not be altered, bartered, sold, or transferred. No refunds for partial billing periods unless required by applicable law. Taxes, service and delivery fees apply. The Program and Offer are subject to the terms and conditions set out here as well as the Skip+ terms and conditions.
Existing terms of your rewards program, credit card account and debit card continue to apply. Program may end at any time without notice. Offer may be withdrawn or changed without notice at any time, including without limitation, changes to the discounted monthly Skip+ subscription fee, the welcome voucher, and the length of time the discounted monthly Skip+ subscription fee is available. CIBC may, in its sole discretion, disqualify, limit, or revoke this Offer if you are believed to be abusing or manipulating it, or engaging in suspicious activity. CIBC is not liable or responsible for any products or services offered, made available or purchased from Skip.
Offer is available to:
CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Dividend® Visa*, CIBC Dividend Unlimited World Mastercard®, CIBC Dividend® Visa* Card for Students, CIBC Dividend Unlimited World Elite® Mastercard®, CIBC Aventura® Visa Infinite*, CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite Mastercard®, CIBC Aventura® Visa* Card for Students, CIBC Aventura® Visa Infinite Privilege*, CIBC Aventura® Gold Visa*, CIBC Aventura® Mastercard®, CIBC Aventura® Visa*, CIBC Aventura® Visa* for Business Card, CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa* Card, CIBC Aeroplan® Visa Infinite* Card, CIBC Aeroplan® Visa* Card for Students, CIBC Aeroplan® Visa Infinite Privilege* Card, CIBC Aerogold® Visa* Card, CIBC U.S. Dollar Aventura® Gold Visa*, CIBC Aeroplan® Visa for Business Card, CIBC Aeroplan® Visa Business Plus, CIBC Classic Visa* Card, CIBC Classic Visa* Card for Students, CIBC Corporate Classic Plus Visa* Card, CIBC Costco Mastercard®, CIBC Costco World Mastercard®, CIBC Costco Business Mastercard®, CIBC bizline® Visa* Card, CIBC Select Visa* Card, CIBC Vacationgold® Visa* Card, CIBC Gold Visa* Card, CIBC Advantage Debit Card® or any other eligible credit or debit card, as may be determined by CIBC in its sole discretion from time to time, in good standing (each an “Eligible Card”).
For CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa Business Plus and CIBC Corporate Classic Plus Visa* Card, the Offer can only be redeemed by one Cardholder (as defined under the CIBC Business Credit Card Agreement (Business Liability)).
✧ As part of the Skip+ programme, subscribers are entitled to at least the following loyalty Benefits:
$0 delivery fee on orders placed at participating Partners, subject to a minimum spend of at least $15 (before associated taxes) in order to benefit from the Free Delivery Promotion. Such minimum order value may vary depending on the Partner selected, but will always be shown to you before placing your order on the platform. Participating partners may change at any time.
Discounted service fees: A saving of at least 40% off the regular Services Fees charged. Participating partners only. Participating partners will be identifiable when placing an order through the use of the Skip+ logo. You can check the Service Fee charged by each participating partner in the partner menu. Service Fees in general may vary between partners and locations.
Skip+ Members will be entitled to exclusive and/or priority access to promotions offered by Skip and its partners from time to time, provided you have not opted out of receiving marketing communications from Skip.
Additional promotional benefits, offers and rewards may additionally be made available from time to time, subject to any additional terms published alongside those offers or rewards.
For the full program terms and conditions, please click here Opens in a new window..
1 Each Interac e-Transfer® you send counts as a transaction for calculating your monthly fee. The Interac e-Transfer fee is waived on CIBC Smart Accounts, the CIBC Everyday Chequing Account, and for clients who are enrolled in CIBC Smart Start, CIBC Advantage for Youth, CIBC Smart for Students, CIBC 60 Plus Advantage and CIBC Advantage for Students (on the CIBC Everyday Chequing Account). Clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account. Interac e-Transfer service has maximum dollar limits that you can send. Learn more about Interac fees and details.
2 CIBC foreign exchange rates apply. A CIBC Global Money Transfer and a Foreign Exchange transaction counts towards your allowable transaction limit. Bank account transaction fees may apply. Must have a CIBC chequing account, savings account, eligible credit card or personal line of credit account to send a CIBC Global Money Transfer. Most transfers are completed within 1 to 3 business days. Only primary credit card cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service.
Review the CIBC Global Money Transfer Agreement (150 KB, PDF) Opens in a new window..
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