Here’s how it works

Step 1 of 3.

Make sure you have an eligible account

An active CIBC chequing or savings account is all you need to start making referrals and earning cash rewards.

 Step 2 of 3.

Share your link with a friend

This can be any student who’s not a CIBC client

  • Not a student but under 25? They’re still eligible
Step 3 of 3.

Enjoy the extra cash

Both you and your friend get $50 once they’ve met qualifying conditions after opening a CIBC Smart™ Account with 

Why students love CIBC

Bank anywhere with our award-winning mobile app or access one of our many banking centres and ATMs conveniently located across Canada.

Earn cash back with credit card purchases. Students don’t need to provide an income, credit history, or a security deposit.

Pay bills, transfer money between your accounts and use Interac e-Transfer® service to send money to your friends.

Frequently asked questions