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 up to $600 cash after you open a CIBC Smart Account for Newcomers as your first CIBC chequing account, then open your first CIBC eAdvantage® Savings Account in the same calendar month and complete all qualifying actions.†, ††

Learn more about the CIBC Smart Account for Newcomers.

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.

Learn more about our Newcomer credit cards.

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.

Learn more about CIBC Global Money Transfer.

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

Step 1

Deposit accounts (chequing or savings)

Get started with your day-to-day banking needs including wire transfers and foreign cheque deposits.

Learn more about the smart account for newcomers.

Step 2

Credit cards

Go cashless, and even use your device to pay your purchases while earning points or cash back.

Learn more about the smart account for newcomers.

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.

Find an advisor Opens in a new window.

Step 4


Our team of Mortgage Advisors will help you buy your first home in Canada.

Find a CIBC Mortgage Advisor Opens in a new window.

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.

Learn more about CIBC Insights.

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

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 moreabout pre-paid Koodo SIMs for CIBC Newcomer clients.


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.

Learn more about Canoo. Opens in a new window.

Let's get in touch

Call us anytime

Book a meeting

Visit a branch or ATM