Get a head start with CIBC
I currently live in Canada and have a Permanent Resident Card
Do I qualify?
Bank account
CIBC Smart® Account for Newcomers
Special offer
Pay no monthly fee for 2 yearsⓘ, plus receive a 1-year Costco Gold Star Membershipⓘ.
Bundle to earn up to $600ⓘ. Start with a CIBC Smart® Account for Newcomers, then apply and get approved for any eligible credit card. Qualifying actions apply.
Monthly fee after your second year
Interac e-Transfer® transactions
Non-CIBC ATM withdrawals
Daily balance to avoid monthly fees
Transactionsⓘ
Why newcomers love CIBC
You can now tap your phone to pay for purchases up to $250 with Interac Debit at a growing list of retailers in Canada.
Use mobile or online banking to move your money in Canada with unlimited Interac e-Transfer transactions or internationally with CIBC Global Money Transfer™ⓘ.
Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement creditsⓘ.
I currently live in Canada and have a Canadian Work Permit
Do I qualify?
Bank account
CIBC Smart® Account for Newcomers
Special offer
Pay no monthly fee for 2 yearsⓘ, plus receive a 1-year Costco Gold Star Membershipⓘ.
Bundle to earn up to $600ⓘ. Start with a CIBC Smart® Account for Newcomers, then apply and get approved for any eligible credit card. Qualifying actions apply.
Monthly fee after your second year
Interac e-Transfer® transactions
Non-CIBC ATM withdrawals
Daily balance to avoid monthly fees
Transactionsⓘ
Why newcomers love CIBC
You can now tap your phone to pay for purchases up to $250 with Interac Debit at a growing list of retailers in Canada.
Use mobile or online banking to move your money in Canada with unlimited Interac e-Transfer transactions or internationally with CIBC Global Money Transfer™ⓘ.
I am an international student studying in Canada
Do I qualify?
Student banking offer
CIBC Best Student Life Bundle
Special offer
Students can apply online and earn up to $450ⓘ in value. Get no-monthly fee student banking with one easy application – includes a chequing account, savings account, a credit card and more.
- Get $125ⓘ with CIBC Smart® Start for everyday banking
- Earn up to $280ⓘ,ⓘ in value with a CIBC Adapta® Mastercard® for Students
- Get RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%ⓘ interest for 3 months with your first CIBC eAdvantage® Savings Account. Limits apply.
- Plus, get a special $50 bonusⓘ with the CIBC Best Student Life Bundle.
Conditions apply. Complete qualifying actions to earn cash rewards.
More perks
- Save up to 30% off 450+ brands you love with SPC+
- Get a free Skip+ membership when you link your eligible CIBC credit or debit card.ⓘ
Conditions apply. The Best Student Life Bundle is for Canadian and international students who don't already have a CIBC credit card or CIBC bank account.
Free student banking
CIBC Smart™ Start
Enjoy unlimited transactionsⓘ, keep track of your account and take control of your finances.
Monthly fee
Interac e-Transfer® transactions
Non-CIBC ATM withdrawals
Minimum balance to avoid fees
Transactionsⓘ
Continue to pay no monthly fee as long as you're an eligible client with the CIBC Smart Account for Students.
Why students love CIBC
Level up your savings with up to 30% off 450+ brands you love.ⓘ
Join Journie Rewards for free to save up to 10 cents per litre at participating Pioneer, Chevron and Ultramar gas stations.
Already a member? Just remember to open your new CIBC bank account, credit card or line of credit before December 31, 2026, to enter the contest.
You’ll be automatically entered for a chance to win $35,000. On January 8, 2027, a winner will be picked from active SLN members Opens a new window.. No purchase necessary.
Review the full contest rules (PDF, 160 KB) Opens a new window.
Frequently asked questions
