Bundle for more

 CIBC Advantage Debit Card, plus CIBC Dividend Visa Card for Students, plus refer friends get $50 each.

Starting school soon? We’ve got you covered

Welcome to Canada! Let us help you feel at home

Learn about iconic Canadian experiences and plan for student life with our free International Student Guide. Plus, find useful tips for budgeting and protecting yourself against fraud.

Want free student banking?

Enjoy unlimited everyday banking until you’re 25 — no proof of enrolment required.

Need a GIC for your study permit?

Apply online for the CIBC Student GIC program to meet the requirements for a Student Direct Stream (SDS) Permit.

Already applied for your GIC?

Book an appointment at a CIBC Banking Centre to pick up your bank card.

Where are you in your student journey?

Earn up to $150 cash back with our student bundle

 CIBC Advantage Visa Debit card.


Get $100

CIBC Smart™ Start

Get $100 with CIBC Smart Start and $50 each for up to 10 friends you refer.
Plus, no monthly fee until you turn 25.


Graduating after age 25

Continue to pay no monthly fee for as long as you study full time with CIBC Smart™ for Students

 CIBC Dividend Cash Back Visa card.


Get $50

CIBC Dividend® Visa* Card for Students

Get $50 cash back after you make your first purchase within the first 4 months.
Plus, 2% cash back on eligible groceries and 1% on eligible gas, electric vehicle charging, transportation and recurring payments.

non-Quebec residents

Quebec residents

International students can apply online


Apply for a student credit card and bank account online with one quick and simple application. Check out all the student credit cards included in the offer.

Special offer

Refer a friend and you’ll both earn $50

Enjoy up to $700 in value3 from these benefits

Enjoy a bonus SPC+ membership

Save up to 30% off top brands with a bonus SPC+ membership.

Learn more about SPC+.

Trade stocks for free

Trade online for free with CIBC Investor’s Edge if you’re between 18 and 24.

Learn more about trading stocks for free with CIBC Investor’s Edge. Opens in a new window.

Send money for free

Send money internationally with no transfer fee with CIBC Global Money Transfer™.

Learn more about CIBC Global Money Transfer.

Forget the fees

Enjoy unlimited transactions including Interac e-Transfer® service.

Learn more about Interac e-Transfer service.

First Time Home Savings Account (FHSA)

CIBC Smart Planner™


Get 30 days of free Canada-wide Koodo service with a CIBC account, featuring 7GB + unlimited Canada-wide call and text.

Learn more about CIBC’s Koodo offer for international students.


Get a free SPC+ membership as a CIBC student or youth client and get discounts of up to 30% at over 450 top brands.

Learn more about a free SPC+ membership from CIBC.

Journie Rewards

Join Journie Rewards for free and link your eligible CIBC debit and credit cards to save up to 10 cents per litre on gas!

Learn more about saving on gas with Journie Rewards.