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Prepaid Cards for Students
Spend on your own terms — load only what you need¹

Upfront customization fee of $5.95 is waived for students

CIBC Smart™ Prepaid Visa* Card for students
Great for everyday spending

A convenient and secure way to shop online, at stores or by phone¹
Manage your budget and load what you want to spend¹
Access your information online anytime
Easily reload online, through the CIBC Mobile Banking® App or at any CIBC Banking Centre

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CIBC Smart™ Prepaid Travel Visa* Card for students
Accepted worldwide

A worry-free and secure way to shop while you’re travelling outside of Canada
Available in U.S. dollars, euros, British pounds or Mexican pesos
Load your card on-the-go through online banking or the CIBC Mobile Banking App while you are travelling
Avoid foreign exchange surprises² by locking in your rate when you load your card

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Note: CIBC prepaid cards can’t be used as gift cards. They can only be used by the person who purchases them.

Benefits

Load your card easily

Load from your CIBC bank account or CIBC Personal Line of Credit, or with your non-CIBC credit or debit card at the Toronto Pearson Airport CIBC Banking Centre

Maintain your credit rating

Use of a CIBC prepaid card won’t affect your credit rating

Cash withdrawals at CIBC ATMs

Free cash withdrawals at CIBC ATMs within Canada

No expiry date

Funds loaded to the card don't expire³

Easy account access

Free online access to your balance and transactions, anytime

Zero liability⁴

If someone steals your card or card details, you won’t be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations⁵

A student banking from her phone at a desk in the library.

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Fees and transaction limits

Fee			Amount
Customization	Free
	CAD	USD	EUR	GBP	MXN
ATM withdrawals (within Canada)⁷	Free	Free	Free	Free	Free
ATM withdrawals (outside Canada)⁷The first ATM withdrawal in each month is free.	$3.50	$2.50	€2.25	£2.00	$50.00
Card replacement (lost or stolen)	$14.95	$10.95	€9.95	£7.95	$199.95
Card replacement shipment by courier (optional)	$15.00	$11.00	€10.00	£8.00	$200.00
Foreign conversion Transactions (debits and credits) not in the currency of your Card are converted into the currency of your Card no later than the Transaction posting date at an exchange rate that is 2.5% over the rate CIBC must pay.			2.5%

Limit	CAD	USD	EUR	GBP	MXN
Minimum load amount	$20	$15	€13	£10	$250
Daily (24-hour) maximum load	$3,000	$2,100	€2,000	£1,500	$39,000
Daily (24-hour) maximum ATM withdrawal limit	$1,000	$700	€650	£500	$13,000
Daily (24-hour) maximum point of sale purchase limit	$3,000	$2,100	€2,000	£1,500	$39,000
Maximum balance	$10,000	$7,000	€6,500	£5,000	$130,000

Frequently asked questions

More questions

Are CIBC prepaid cards the same as credit cards?

Prepaid cards are not credit cards. Unlike a credit card, which allows you to access a credit limit and pay the bill later, prepaid cards let you load what you need in advance. You use your own money, which you can load onto your card from a CIBC bank account or personal line of credit.

What is the CIBC Smart™ Prepaid Visa Card?

The CIBC Smart Prepaid Visa Card is a Canadian dollar, reloadable prepaid card you can use to shop online, by phone and in person worldwide where Visa* is accepted. It’s a convenient and secure way to shop while you’re in Canada, using Canadian dollars.

What is the CIBC Smart™ Prepaid Travel Visa Card?

The CIBC Smart Prepaid Travel Visa Card is a foreign currency reloadable prepaid card you can use to shop online, by phone and in person worldwide where Visa* is accepted. It’s a convenient and secure way to shop when you’re outside of Canada. Lock in your rate when you load your card and avoid the hassle of exchanging money internationally. It’s available in 4 currencies:

USD – U.S. dollars
EUR – Euros
MXN – Mexican pesos
GBP – British pounds

Can I give a CIBC prepaid card as a gift?

No, you may only buy prepaid cards for your own use. Additional cards can’t be issued under your account. If you’d like to give a gift card and you collect Aventura Points, you may redeem for a CIBC Visa* Prepaid Gift Card. For more information, visit CIBC RewardsOpens a new window in your browser..

Can I get additional CIBC prepaid cards for family members under my account?

How much money can I load onto my CIBC prepaid card?

Limit	CAD	USD	EUR	GBP	MXN
Minimum Load Amount	$20	$15	€ 13	£10	$250
Daily (24-hour) Maximum Load	$3,000	$2,100	€ 2,000	£1,500	$39,000
Daily (24-hour) maximum ATM withdrawal limit	$1,000	$700	€ 650	£500	$13,000
Daily (24-hour) maximum point of sale purchase limit	$3,000	$2,100	€ 2,000	£1,500	$39,000
Maximum balance	$10,000	$7,000	€ 6,500	£5,000	$130,000

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Prepaid Cards for Students Spend on your own terms — load only what you need1

Frequently asked questions

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Prepaid Cards for Students
Spend on your own terms — load only what you need¹