Why you'll love the account that grows with you

Get free everyday banking and enjoy unlimited debit and Interac e-Transfer® transactions1,2 in Canada and no monthly fee until age 25.3

Tap your phone to pay with Interac debit, Apple Pay® or Google Pay™ and access your account with our award-winning Mobile Banking® App.

Students 14 and up save up to 30% on over 450 top brands when shopping online or in-store with a free SPC+ membership.

Get set for school and beyond

a bundle of cibc dividend visa card for students, smart start debit card, and refer a friend offer.

Bundle for more

Earn up to $150 cash back after you get CIBC Smart™ Start and a CIBC Dividend® Visa* Card for Students. Plus, refer your student friend and get $50 or more! Conditions apply. 

Learn more

Key features


Special offer 

How do I qualify?

They’ll save up faster with no monthly fee until age 25. Then their account will continue as a regular CIBC Smart Account.

Parents can easily set up recurring transfers to deposit their child’s allowance using mobile banking.

Check your balance and get personalized financial tips using our award-winning Mobile Banking App.

Get your child started with all the free benefits of Smart Start

Key features

 
Special offer 

How do I qualify?

Make the most of Smart Start

Bank anywhere with CIBC Mobile Banking

Get your student-life essentials on a budget

Invest in your future with free online trading8

Expert advice and financial tips

Student budget calculator

Smart advice for students

Scholarships 101

Your Smart Start questions answered