Begin your life in Canada with the account that’s right for you

CIBC Smart™ Account for Newcomers

Pay no monthly fee for 2 years. Plus, enjoy:

• Unlimited transactions1

• Free unlimited Interac e-Transfer® transactions2


$03 up to $16.95

$4,000

Special offer

Ready to get up to $400?

Get $350

Congrats! You’ll get your $350 within 7 months after opening your account.

Are you under 25 years old?

Get $50 more

Congrats! You’ll get $350 and $50, for a total of $400, within 7 months after opening your account.

Are you under 25 years old?

Why wait? Apply from your device in minutes.

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Start building credit in Canada with a credit card

CIBC Dividend Platinum® Visa* Card


Our biggest offer of the season

Enjoy a 2-year fee rebate (up to $198 in value)

  • Earn 3% cash back on gas and groceries, and up to 2% on everything else4
  • Enjoy a credit card limit of up to $10,000 (no Canadian credit history needed)5

Annual fee
$99 (first 2 years rebated)

Minimum annual income
$15,000 household

Interest rate (purchases)
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Interest rate (cash)
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CIBC Dividend® Visa* Card


Welcome offer

Enjoy cash back and other benefits

  • Get 5% cash back for the first four statements on total purchases of up to $2,000††
  • Earn 2% cash back on eligible grocery purchases and get up to 1% cash back on all other purchases8
  • Take advantage of a credit card limit of up to $10,000 (no Canadian credit history required)5

Annual fee
$0

Minimum annual income
$15,000 household

Interest rate (purchases)
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Interest rate (cash)
RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)%6, 7
RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% (for Quebec residents)6, 7

Send money with ease to family around the world with $0 transfer fees9

Use any device to send funds to loved ones worldwide with CIBC Global Money Transfer™. It’s safe and fast to transfer funds to over 120 countries including India, the Philippines and China.


Special offer

Using CIBC Global Money Transfer™ for the first time? You’re eligible for a one-time cash back offer.