Accessibility Quick Links
CIBC Smart Start at a glance
More to love about CIBC Smart Start
Rewards that grow with you
Why you'll love the account that grows with you
How to qualify for this account
Eligibility:
- Canadian residents: You're under the age of 25. You’ll need one piece of government-issued photo ID.
- International students: You're under the age of 25. You'll qualify when you show us your proof of international student status. Learn about international student eligibility. Opens in a dialog.
Get set for school and beyond
Enjoy student deals and discounts
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 a 12-month Skip+ free trial when you link your CIBC debit card with your Skip accountⓘ
Plus, enjoy exclusive savings and rewards with your Skip+ membership.ⓘ
Trade your way to the future you want
Enjoy free online North American stock and ETF trading for young adults 18 to 24 with CIBC Investor’s Edge Opens a new window..ⓘ There’s no minimum balance and you’ll pay no annual fees.ⓘ
Save up to 10 cents per litre on gasⓘ
Hit the road for less and save on gas at participating locationsⓘ when you link and use your CIBC debit or credit card with Journie Rewards.
Refer a student or youth under 25 and you’ll both earn $50.ⓘ Qualifying actions apply. Learn more
Enjoy extra cash and all your banking essentials with the CIBC Best Student Life Bundle
You must have reached the age of majority in your province or territory to qualify.
How to help your child qualify for this account
Eligibility:
- You or your child must be a Canadian resident under age 25
- You’ll need one piece of government-issued photo ID
How to open an account for your child:
- Parents of youth (up to 11 years old): Online or at a banking centre
- Parents of youth (12 to 13 years old): At a banking centre
Get your child started with all the free benefits of CIBC Smart Start
Spend and track with ease
With your consent, your child can sign on to our mobile app. It's easy and safe to check account balances, deposit cheques and transfer money with mobile banking.
Discover tips to help your child save up faster
Help your child save for the future with CIBC Insights. We show you where their money is going and provide personalized financial tips.
Get the account that grows with your child
Open the account as your child’s signing authority. Then as they grow into their teens, they can use the account independently, learning along the way while enjoying the benefits of unlimited everyday banking.
Refer a student or youth under 25 and you’ll both earn $50.ⓘ Refer up to 50 friends each calendar year. Qualifying actions apply. Learn more
Expert advice and financial tips
Student budget calculator
Saving money for tuition and books doesn't have to be stressful. Stay on top of your finances to make the most of student life.
Smart advice for students
For students of all ages, learn financial tips like how to save money from your first job, apply for post-secondary education loans and more.
Scholarships 101
Learn how to lighten the load of your post-secondary education by offsetting your costs with some much-needed cash.
Your CIBC Smart Start questions answered
Commitment on low-cost and no-cost accounts
We’re committed to providing access to modern basic banking services for certain groups at no cost. The CIBC Smart Account with CIBC Smart Start is our no-cost account commitment to youth and students under the age of 25ⓘ.
Ready to apply or have questions?
