You’re in control — pay how and when you want

Shop in person

Shop in Canada using: 

It’s a quick, easy and safe alternative to paying with cash. You’ll also get access to one of Canada’s largest ATM networks.

Tap up to $250 in Canada

Get through the checkout quicker without touching the PIN pad. Tap for purchases like coffee, groceries or gas, up to $250 at stores in Canada. You can even tap to pay at participating public transit Opens in a new window. locations. Just hold your card or mobile device over the reader and wait for the transaction to complete.

Shop online and in-app using the Visa Debit feature of your debit card

Use your debit card for things like:

  • Online and in-app purchases, including shopping, booking flights and ordering food
  • Subscription services, including video streaming or your favourite subscription box
  • Recurring bill payments including phone or utilities — just add your card number, expiry date and CVV in the credit card billing section wherever Visa is accepted

When you use Visa Debit, the money is automatically debited from your CIBC bank account so you can track all your spending from one place. Plus, your money is safe thanks to security features you can trust1.

You can also do your everyday banking anytime with: 

Shop internationally with Visa Debit

Use your debit card at millions of merchants in over 200 countries, wherever Visa is accepted.

When paying, select “Visa” if required and enter your PIN. The purchase will be deducted from your bank account.3 It’s that simple!

You can also use your debit card to withdraw cash at ATMs that display the Visa or PLUS logos.

Save money with rewards and discounts

Save up to 10 cents per litre on gas

Link and use your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron and locations.

Learn more about Journie Rewards

Get money back at popular retailers

Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.

Learn more about Paymi 

Student deals and discounts with SPC+ and CIBC

Put away money for tuition and books by saving on everyday purchases. Get a free SPC+ membership as a CIBC student or youth client.

Learn more about SPC+

You’re always protected

Visa Zero Liability Policy2 and Interac Zero Liability Policy4

Active fraud monitoring 

CIBC Cardholder Banking Service Agreement (PDF, 130 KB) Opens in a new window..

Managing your card is in your hands

Choose your debit card PIN

You can select or change your PIN using CIBC Online Banking® or CIBC Mobile Banking®.

Don't worry if you misplace your debit card

Feel safe knowing you can lock your card when you need to. Unlock your card when you find it.

Don’t have a CIBC account yet?

Frequently asked questions