Get a head start with CIBC

I currently live in Canada and have a Permanent Resident Card

Do I qualify?

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Bank account

CIBC Smart™ Account for Newcomers

Special offer

Get $450 cash after you open a CIBC Smart Account as your first CIBC chequing account and complete the qualifying actions.   


Monthly fee after your second year

Interac e-Transfer® transactions

Non-CIBC ATM withdrawals

Daily balance to avoid monthly fees

Transactions 

  • Pay no monthly fee for 2 years 
  • Shop online and in-app using money directly from your CIBC Smart Account with Visa* Debit
  • Send money with a $0 transfer fee to over 130 countries with CIBC Global Money Transfer 

Welcome offer

CIBC Dividend Platinum® Visa* Card

Join and earn over $300 in value, including $50 bonus cash back and an annual fee rebate for 2 years for you and up to 3 authorized users

Annual fee

Each additional card (up to 3)

Interest rate

Valuable insurance included with your card

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Learn more about what this card has to offer: 

Benefits Guide (PDF, 460 KB) Opens a new window.



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™

Link your eligible CIBC debit card to enjoy exclusive savings and rewards with your Skip+ membership.

I currently live in Canada and have a Canadian Work Permit

Do I qualify?

Show more

Bank account

CIBC Smart™ Account for Newcomers

Special offer

Get $450 cash after you open a CIBC Smart Account as your first CIBC chequing account and complete the qualifying actions.   


Monthly fee after your second year

Interac e-Transfer® transactions

Non-CIBC ATM withdrawals

Daily balance to avoid monthly fees

Transactions 

  • Pay no monthly fee for 2 years 
  • Shop online and in-app using money directly from your CIBC Smart Account with Visa* Debit
  • Send money with a $0 transfer fee to over 130 countries with CIBC Global Money Transfer 

Welcome offer

CIBC Dividend Platinum® Visa* Card

Join and earn over $300 in value, including $50 bonus cash back and an annual fee rebate for 2 years for you and up to 3 authorized users


Annual fee

Each additional card (up to 3)

Interest rate

Valuable insurance included with your card

Show more

Learn more about what this card has to offer: 

Benefits Guide (PDF, 460 KB) Opens a new window.


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™

Link your eligible CIBC debit card to enjoy exclusive savings and rewards with your Skip+ membership.

I am an international student studying in Canada

Do I qualify?

Show more

Student banking offer

CIBC Best Student Life Bundle

Digital exclusive offer

Students can apply online and earn up to $300. 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 $125 cash back with a CIBC Dividend® Visa* Card for Students 
  • Get a digital-exclusive $50 bonus with the Best Student Life Bundle

Conditions apply. Complete qualifying actions to earn cash rewards.

More ways to save

  • 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.
  • Enjoy a free SPC+ membership to save up to 30% at top brands

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 SmartTM 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, 2024, to enter the contest.

You’ll be automatically entered for a chance to win $35,000. On January 9, 2025, 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