1 Transaction limits apply.
2 CIBC foreign exchange rates apply. 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.
3 Your Card expires on the last day of the month set out on the Card. If your Card has a balance on it and you have used your Card in the last 12 months, a replacement Card will automatically be mailed to you prior to the expiry date. We will also mail you a replacement Card prior to the expiry date if your Card has a zero or negative balance, but you have used it in the last 30 days. Otherwise, please contact us if you would like a replacement for your expired Card. We will send your replacement Card to your registered address on file at no additional cost.
4 The Visa Zero Liability Policy does not apply to ATM transactions. You must comply with the Prepaid Card agreement including safeguarding your card, your card details and PIN.
CIBC Smart™ Prepaid Visa Card & CIBC Smart™ Prepaid Travel Visa Card Terms and Conditions (PDF, 150 KB)