Set yourself up for success in school and beyond

Get approved and fund your student bank account before coming to Canada. Send money to your new Canadian account with no service fees.3

Get discounts of up to 30% with deals in-store and online in fashion, food and more with your free SPC membership.

Tap to pay in-store, deposit cheques with your camera and send money within Canada with free Interac e-Transfer® service4.

Unlimited everyday banking with no monthly fee


SPECIAL OFFER

Earn up to $150

Earn up to $150 when you open your first chequing account with CIBC Smart™ Start or CIBC Smart™ for Students

Students and youth under 25

CIBC Smart Start

 
  • No monthly fee on a CIBC Smart Account until age 255
  • Free unlimited Interac e-Transfer® transactions2
  • 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 time1
  • Free unlimited Interac e-Transfer transactions2
  • Free unlimited debit and Visa* Debit transactions in Canada
  • One free non-CIBC ATM withdrawal in Canada per month6

Shop online and in-store with a no-fee student credit card


Special offer

Get $30
cash back after you make your first purchase within the first 4 months!

Earn 2% cash back on groceries and up to 1% cash back on everything else.7, 8

Annual fee

$0

Minimum annual income

$0

Interest rate for purchases

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Interest rate for cash

RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)%9, 10

RDS(%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% (for Quebec residents)9, 10

Take advantage of deals and discounts just for you

Get your student-life essentials on a budget

Put away money for tuition and books by saving on everyday purchases. Get a free SPC membership and exclusive access to SPC+ as a CIBC student client.

Learn about SPC membership

Open and fund your account before you arrive in Canada

Get your account set up before leaving home, with the CIBC Student Deposit Program. Apply now and start using your account as soon as you arrive.

Learn about funding your account

Get $25 after you refer a friend††

Help friends and family get a GIC or student bank account required for a student visa. You’ll both earn a $25 bonus.

Learn about our student referral program

Your questions answered

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