Skip the trip to the banking centre and apply online

Applying for an SDS permit?

Apply online in minutes for the CIBC International Student GIC program.

Applying for a Non-SDS permit?

Open and fund a Canadian account before you arrive with CIBC Smart™ Arrival3.

Already arrived in Canada?

Apply online for a new bank account and credit card with one quick and simple application.

Unlimited everyday banking with no monthly fee

Special offer

Refer a friend and get $50

Get $100 with CIBC Smart™ Start and $50 each for up to 10 friends you refer◊◊.  

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
  • Once you’re 18, start your investing journey with CIBC Investor’s Edge Opens in a new window.11

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
  • Take advantage of student pricing at $5.95 per online stock or ETF trade when you open an Investor’s Edge Account12

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


Minimum annual income


Interest rate for purchases


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

Learn more about CIBC’s Koodo offer for international students.


Get a free SPC+ membership as a CIBC student or youth client and get discounts of up to 30% at over 450 top brands.

Learn more about a free SPC+ membership from CIBC.

Journie Rewards

Join Journie Rewards for free and link your eligible CIBC debit and credit cards to save up to 10 cents per litre on gas.

Learn more about saving on gas with Journie Rewards.

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