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 student banking with no monthly fee

CIBC Smart for Students account

Special offer

Get $60
after you open a CIBC Smart for Students account.

Just register for CIBC Online Banking® or CIBC Mobile Banking® and make at least 2 Visa* Debit purchases within 2 months of opening your account.

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.6, 7

Annual fee


Minimum annual income


Interest rate for purchases


Interest rate for cash

RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)%8, 9

RDS(%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% (for Quebec residents)8, 9

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

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