Accessibility Quick Links
Apply for a CIBC Smart™ Account and credit card together — it's easy. Learn more about applying for a CIBC Smart Account together with a credit card.
Why newcomers love CIBC
Bank anywhere with our mobile app or access our one of our many banking centres and ATMs conveniently located 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
Get support that fits your unique journey
Moving to Canada and don't know where to start? Answer a few basic questions to get tailored resources, tips and banking offers with the CIBC Smart™ Guide to Canada.
Whether you're planning your journey, just arrived or already settled, we'll help you start your new life here.
Banking designed for your new life
Start saving and managing your money today with a CIBC Smart™ Account for Newcomers
Newcomer Banking Bundle
Pay no monthly fee for 2 years.†† Plus, get $450† cash after you open a CIBC Smart Account for Newcomers as your first CIBC chequing account and complete the qualifying actions.†, ††
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. Apply for a CIBC Smart™ Account and credit card together.
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.
Your newcomer journey at a glance
Step 1
Deposit accounts (chequing or savings)
Get started with your day-to-day banking needs including wire transfers and foreign cheque deposits.
Step 2
Credit cards
Go cashless, and even use your device to pay your purchases while earning points or cash back.
Step 3
Financial advice
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.
Step 4
Mortgage
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.
Ready to start banking in Canada?
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
Save for your children’s education
Lending options for internationally-trained dentists
Get a 12-month Skip+ free trial when you link your CIBC credit or debit card with your Skip account◇
Koodo phone plan
CIBC Newcomer clients will receive an exclusive offer from Koodo to save money on their mobility plan.
Pre-paid Koodo SIMs
Get 30 days of free Canada-wide Koodo service with a CIBC account, featuring 7GB + unlimited Canada-wide call and text.
Learn more about pre-paid Koodo SIMs for CIBC Newcomer clients.
Canoo
CIBC is proud to partner with Canoo to help Newcomers discover the best of Canada for free. The Canoo Cultural Pass provides newcomers with VIP access to over 1,400 of our country’s most exciting cultural and outdoor experiences.
Let's get in touch
Call us anytime
Book a meeting
Visit a branch or ATM