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Get a head start in Canada.

Open an account before you arrive with CIBC.

Discover personalized support

We're here to support your journey. For practical tips, check out our CIBC Smart™ Newcomer Hub.

Find us in your new community

When you arrive in Canada, visit one of our many banking centres or ATMs conveniently located across the country.

Join our award-winning bank

Get a head start with CIBC Smart Arrival and transfer your money before moving to Canada.

3 easy steps to open your account

Step 1

Complete your online application

Apply in as little as 10 minutes, verify your identity remotely and get a head start opening a temporary bank account.1

Step 2

Transfer your money before arriving

If your application is approved, send money to your temporary account with a one-time wire transfer in Canadian dollars.2 Your money will be ready when you arrive in Canada.3

Step 3

Visit us when you arrive

When you arrive in Canada, visit a CIBC Banking Centre to open your new account and start banking. Send and receive money, pay bills and more.

Apply for a bank account before you arrive

CIBC Smart™ Account for Newcomers

CIBC Smart Arrival

Open and fund1, 2 an account before moving to Canada and receive a debit card after you arrive in Canada.

Here's how to qualify for an account:

Already completed your CIBC Smart Arrival application?

Show more details

Learn more about banking in Canada

CIBC Smart Arrival Brochure

Start banking before your big move. We have all the details you need to get started before arriving in Canada.

CIBC Smart™ Guide to Canada

Moving to a new country can be overwhelming. Explore tailored resources for your journey as a newcomer.

Have more questions?

We've got answers

Check out our Frequently Asked Questions.

Get in touch

Contact us outside Canada, the U.S. and select countries at 1-902-420-2422 Opens your phone app..

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