CIBC Smart™ Account for Newcomers

When you open a Canadian bank account, you'll receive a debit card and a personal identification number (PIN) for security. You can use these to pay for products and services. When you pay with a debit card, the money is immediately withdrawn from your account to pay the merchant.

This is a fast, safe way to transfer money to another person within Canada. All you need is the recipient's email address or Canadian mobile phone number. We'll take care of the rest. Learn more about how to send an Interac e-Transfer.

You can easily send money internationally from your CIBC bank account in one of 2 ways.

Send a Global Money Transfer:

After you sign on to online banking, choose Global Money Transfer. To learn more about how to send money globally, go to Global Money Transfer.

Send a wire transfer:

Visit us in person at a CIBC Banking Centre Opens in a new window. and one of our representatives will be able to assist you. Learn more about what information you need to request a wire transfer Opens in a new window..

To register for CIBC mobile and online banking, you'll need your CIBC debit or credit card:

• On your mobile device, download the CIBC mobile banking app
• On a computer, visit register for mobile and online banking

To sign on, you'll need your CIBC debit or credit card:

1) Go to CIBC Online Banking

2) Enter your card number and password

3) Select "Sign on"

Start banking digitally in just a few steps:

• Open an account and receive a CIBC debit or credit card
• Download the award-winning CIBC Mobile Banking App
• Use your debit or credit card to register for digital banking

Now you're ready to bank on the go, anytime, anywhere.

To find a CIBC Banking Centre or ATM, use our branch and ATM locator. Enter your address or postal code. You’ll find the following banking centre details: telephone and fax numbers, branch transit number, accessibility options and a list of available services and hours of operation.

Not at this time. To apply for the Smart Account for Newcomers, you'll need a Canadian residential address and proof that you've already arrived.

You'll also need a piece of photo identification:

• A Canadian Permanent Resident card
• Your passport, with work permit (IMM 1442), if applicable

As soon as you arrive in Canada, you can apply online in minutes.