Focus on your studies and we’ll take care of the rest

Enjoy unlimited everyday banking

With the CIBC Smart™ Start benefit, get unlimited everyday banking and pay no monthly fee until age 25.1

Do it all on your phone

Tap your phone to pay with Interac® Debit, Apple Pay® or Google Pay™ and access your account with our award-winning Mobile Banking® App.

Explore advice designed for students

From planning how to pay for school to learning how to build your savings, we can make your student experience easier with our expert advice Skip to advice..

We’ve got all your financial needs covered

Students and youth under 25

CIBC Smart Start

Special offer

Get $100 with CIBC Smart Start and $50 each for up to 10 friends you refer††.

  • No monthly fee until age 251
  • Free unlimited Interac e-Transfer transactions2
  • Free unlimited debit and Visa* Debit purchases in Canadian dollars
  • One free non-CIBC ATM withdrawal in Canada per month3


CIBC Education Line of Credit


  • Borrow up to $60,000 for your post-secondary education4
  • Pay interest only on the amounts you actually use. You are eligible for a CIBC Education Line of Credit while you are in school, and for 12 months after graduation (or 6 months if you leave your program without graduating)


CIBC Investor’s Edge for Young Investors

Special offer

With CIBC Investor's Edge, you’ll enjoy free online North American stock and ETF trades and pay no annual fee until you turn 25. Our easy-to-use educational tools can help you make smart investment decisions.5

Plan for success with our financial tools

Student budget calculator

Learn how to fund your education and get tailored tips for building your savings, managing your spending and more.

Savings calculator

Find out how long it may take to reach your goals and get tips on ways to grow your savings faster.

Bank confidently with our advice for students

How to grow your student savings

Every dollar you save adds up. These tips will help you get a head start on savings.

How to budget like a boss

Learn the basics of budgeting so you can buy the things you need (and want), while saving for the future.

Explore all of our student banking products

Take advantage of savings and scholarships just for you

Get your free SPC+ membership

Students 14 and up can save up to 30% on 450+ deals with a free SPC+ membership. Get student-life essentials on a budget, plus get exclusive access to special experiences, cash prizes, giveaways and more.

Learn more about SPC+ membership

You could win $35,000

We partnered with Student Life Network to give you a shot at 4 years' worth of tuition.

Learn more about Student Life Network

Feeling extra lucky? Check out 99 other available scholarships.

Check out scholarships


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

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

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.