Accessibility Quick Links
Why newcomers love CIBC
Bank anywhere with our mobile app or access our 1,100 branches and over 3,000 ATMs across Canada.
Earn cash back with credit card purchases. You don't need to provide an income or credit history, or a security deposit.
Send money back home with no fees1, get account updates in real time and tap to pay for purchases, all from your mobile device.
Your financial journey in Canada starts here
Banking designed for your new life
Start saving and managing your money today with a CIBC Smart™ Account for Newcomers
Pay no monthly fee for 2 years.†† Plus, get $400† after you open a CIBC Smart Account for Newcomers as your first CIBC chequing account.
Credit cards to meet your needs
You could get a higher limit‡ on your credit card. Whether you want cash-back, travel or reduced interest rates, we have a credit card that will fit your needs. Newcomer Banking applications do not require credit history or funds to be secured.
Send money back home with $0 transfer fees1
With CIBC Global Money Transfer™, it's safe and fast to send money to loved ones around the globe. You can pay using your eligible CIBC credit card or CIBC bank account.
Bank anywhere with CIBC Mobile Banking®
Get more from our award-winning app
CIBC ranked #1 in customer satisfaction Opens in a new window. for mobile banking apps in Canada by J.D. Power.
Manage your money from your mobile device
Pay bills, deposit cheques with your phone's camera and instantly get your credit score for free2.
Tap your phone to make a purchase
Pay for everyday items up to $250 with Interac Debit® or use your CIBC debit or credit card with Apple Pay® or Google Pay™.
Your newcomer journey at a glance
Deposit accounts (chequing or savings)
Get started with your day-to-day banking needs including wire transfers and foreign cheque deposits.
Go cashless, and even use your device to pay your purchases while earning points or cash back.
Get advice from our advisors — they will work with you to make your ambitions a reality, like saving for a down payment for your home.
Our team of Mortgage Advisors will help you buy your first home in Canada.
Track your spending to grow your savings faster
There's a lot to keep track of now that you're in Canada. With CIBC Insights, we help you see where your money is going and how to save more.
Discover more resources for newcomers
What to do after you arrive in Canada
Learn how to make a budget
Send and receive money in Canada
Invest in your future in Canada
Lending options for internationally-trained dentists
Let's get in touch
Call us anytime
Book a meeting
Visit a branch or ATM