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description=Whether you re newly arrived or already settled in, let us help make Canada feel like home with banking solutions to make life easier.;

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Text of the page (random words):
search reset search prod contact us contact us opens in a new window sign on to cibc online banking use left right arrow keys to move between top level menu items arrow keys or space bar to move among menu items or open a sub menu esc to close a sub menu and return to top level menu items before moving to canada start banking in canada newcomer banking offers newcomer banking offers smart account for newcomers banking for foreign workers banking for international students financing for internationally trained dentists credit cards for newcomers refer a newcomer friend tools and resources send and receive money newcomer budget calculator cibc smart guide to canada protect yourself from banking fraud coming to canada checklist buying a home in canada start investing in canada opens a new window pay no monthly fees for 2 years plus receive a costco gold star membership qualifying conditions apply learn more about cibc smart start cibc smart newcomer hub find a branch or atm opens navigation menu contact us opens a new window sign on to cibc online banking search prod before moving to canada start banking in canada newcomer banking offers smart account for newcomers banking for foreign workers banking for international students financing for internationally trained dentists credit cards for newcomers refer a newcomer friend cibc smart newcomer hub special offers find a branch contact us opens a new window current language english opens in a dialog journeys start banking in canada start banking in canada send and receive money coming to canada checklist support for ukrainians bundle up more and earn up to 2 500 in value cibc newcomer banking bundle get started apply for a cibc smart account and credit card together it s easy learn more best retail banking product canada 2026 cibc smart account for newcomers cibc is proud to be recognized by the global banking finance review opens a new window we received an award for empowering your newcomer journey earn up to 2 500 in value with the cibc newcomer banking bundle open a cibc smart account for newcomers and enjoy all these benefits cibc smart account for newcomers pay no monthly fee for 2 years plus receive a costco gold star membership 5 save over 400 in monthly fees plus bundle to earn up to 600 start with a cibc smart account for newcomers then apply and get approved for any eligible credit card qualifying conditions apply learn more opens a new window get 198 in value enjoy a credit card with a 2 year annual fee rebate plus 3 cash back on eligible gas and groceries 1 learn more about the 2 year annual fee rebate get up to 700 cash back send your first cibc global money transfer and get up to 700 cash back with promo code reward plus send money to over 130 countries with 0 transfer fee 2 learn more about the global money transfer offer earn 50 when you refer a friend to cibc make up to 50 referrals per year learn more about the refer a friend program smartcallout container img last children container img wrapper append playpauseiconsmarthtml function playpauseanimationsmart el var playpausecontainer el parent if playpausecontainer hasclass play var imgurl el data pause el closest container img wrapper children img first child attr src imgurl playpausecontainer removeclass play addclass pause else var imgurl el data play el closest container img wrapper children img first child attr src imgurl playpausecontainer removeclass pause addclass play playpauseiconsmart icon on click function e playpauseanimationsmart this e preventdefault playpauseiconsmart icon on keydown function e if e which 13 e key enter playpauseanimationsmart this e preventdefault smartcallout playpauseiconsmart icon visible trigger focus else if e which 32 e key spacebar playpauseanimationsmart this e preventdefault smartcallout playpauseiconsmart icon visible trigger focus check out our other newcomer offers cibc smart arrival eligible permanent residents foreign workers and international students can apply for an account before arriving learn more about smart arrival your newcomer journey at a glance step 1 accounts and credit cards get started with your day to day banking needs including wire transfers and foreign cheque deposits learn more about the smart account for newcomers step 2 savings boost your savings interest on every dollar learn more about the smart account for newcomers step 3 financial advice get advice from our advisors they will work with you to make your ambitions a reality like saving for a down payment for your home find an advisor opens a new window step 4 mortgage our team of mortgage advisors will help you buy your first home in canada find a cibc mortgage advisor opens a new window banking designed for your new life we have more offers and resources for newcomers just like you newcomer hub cibc smart guide to canada we can help you make canada your new home answer a few basic questions to get tailored resources tips and banking offers learn more about the smart guide to canada credit cards limited time offer credit cards for newcomers whether you want cash back travel or reduced interest rates we have a credit card that will fit your needs learn more about credit cards for newcomers mortgages buying a home in canada take advantage of our expert advice and special mortgage programs for permanent residents and foreign workers learn more about mortgages for newcomers bank anywhere with cibc mobile banking get more from our award winning app cibc ranked 1 in customer satisfaction for mobile banking apps in canada by j d power manage your money from your mobile device pay bills deposit cheques with your phone s camera and instantly get your credit score for free 3 track your spending to grow your savings faster there s a lot to keep track of now that you re in canada with cibc insights we help you see where your money is going and how to save more learn more about cibc insights partner deals that will save you money get a free skip membership when you link your eligible cibc credit or debit card plus enjoy 0 delivery fees and earn a 10 monthly voucher learn more about our partnership with skip get 50 off disney for 6 months 4 use an eligible cibc credit card to pay for your disney standard with ads subscription and automatically receive 4 50 each month in statement credits 4 learn more about the disney plus offer koodo phone plan cibc newcomer clients will receive an exclusive offer from koodo to save money on their mobility plan pre paid koodo sims get 30 days of free canada wide koodo service with a cibc account featuring 7gb unlimited canada wide call and text learn more canoo cibc is proud to partner with canoo to help newcomers discover the best of canada for free the canoo cultural pass provides newcomers with vip access to over 1 400 of our country s most exciting cultural and outdoor experiences learn more about canoo opens in a new window let s get in touch if you have questions we re available over the phone and in person call us anytime get help 24 hours a day 7 days a week by calling 1 866 525 8622 opens your phone app book a meeting come into a branch to get expert help with accounts loans and more meet with us opens in a new window visit a branch or atm with locations across canada we re easy to find find a branch or atm opens in a new window terms and conditions cibc newcomer banking bundle earn up to 2 500 in value by taking advantage of all the offers in the cibc newcomer banking bundle the value you receive depends on the offers for which you meet and complete all qualifying actions cibc may cancel or change these offers at any time without notice the maximum value of 2 500 is not guaranteed and is contingent on meeting the requirements for each individual offer as detailed below 1 save over 400 in monthly fees with a new cibc smart account for newcomers save 16 95 per month in monthly fees for a total of 406 80 over 2 years after your second year your monthly fee will be either 16 95 per month or 0 if you maintain a minimum end of day account balance of 4 000 each day for that month in any one of your cibc smart accounts learn more about the cibc smart account for newcomers 2 bundle to earn up to 600 the cibc smart account and credit card offer the offer begins on january 22 2026 at 12 01 am et the offer period the offer consists of two rewards a a 500 cash reward and b a 100 cash reward which can be earned separately or combined the offer is open to residents of canada who i are age 25 and older ii not a holder or joint holder of a cibc chequing account at any time within the past 5 years and iii are not cibc employees or retired employees to be eligible for the 100 cash reward in addition to the foregoing criteria you must not have been a primary cardholder of any cibc credit card during the 5 years before opening your new eligible credit card account to qualify to receive a 500 cash reward open a cibc smart account during the offer period and provide your email address within 60 days of opening the account set up and execute 1 recurring direct deposit of at least 500 or more per month from your employer government or your pension and complete at least 1 of the following 3 activities i 2 separate recurring pre authorized debits in the same calendar month ii 5 eligible visa debit purchases in the same calendar month or iii 2 online bill payments of at least 50 each in the same calendar month to qualify for the 100 cash reward open a cibc smart account during the offer period and provide your email address within 30 days from the date of opening the cibc smart account apply for and be approved for an eligible cibc credit card for a list of eligible cards review the offer terms and conditions pdf 155 kb opens a new window within 60 days of opening the cibc smart account set up and execute 1 recurring direct deposit of at least 500 or more per month from your employer government or your pension all direct deposit s and pre authorized debits required to qualify for this offer must recur either weekly biweekly monthly or twice per month and remain in effect for at least 1 year starting the month after the cibc smart account was opened unless otherwise indicated this offer cannot be combined with any other chequing account offer rebate reward or the cibc smart start or cibc smart for students benefit on the cibc smart account the 500 cash reward will be deposited into the qualifying cibc smart account within 7 months after the month you opened the account and the 100 cash reward will be deposited into the qualifying cibc smart account within 9 months after the month you opened the account cibc reserves the right to end cancel change or suspend this offer or change these terms for any reason without notice other conditions apply review the terms and conditions pdf 155 kb opens a new window 3 get 198 in value with an annual fee rebate for 2 years for you and up to 3 authorized users when you open a cibc dividend platinum visa card the 99 annual fee on your eligible credit card could be rebated each year for a value of 198 in total over 2 years to qualify you must apply and be approved for a new cibc dividend visa infinite card or cibc dividend platinum visa card beginning on july 8 2025 you are not eligible to receive this offer if you have opened transferred or cancelled another dividend card within the last 12 months once approved cibc will for the first two years rebate the applicable annual fee for you the primary cardholder and up to three authorized users added at the time of the application learn more about cibc credit cards for newcomers 4 earn 50 cash when you refer a friend to cibc earn 50 a reward for each successful referral maximum 50 referrals per calendar year for a total value of 2 500 to qualify a referrer must refer a friend and the friend must open an eligible smart account and complete all qualifying actions in accordance with the cibc smart account refer a friend program terms pdf 175 kb opens a new window limit of one 1 reward payable to a referrer per qualifying friend and one 1 reward payable to a qualifying friend regardless of how many cibc smart accounts are opened by the friend learn more about the cibc smart account refer a friend program 5 get up to 700 cash back when you send money abroad with your first cibc global money transfer use promo code reward offer ends 11 59 59 pm est on october 31 2026 to be eligible you must have a cibc personal bank account or eligible credit card and must not have used cibc global money transfer before cash back amounts you could receive on your first transfer are as follows i 35 ca cash back for transfer amounts between 100 ca to 9 999 99 ca ii 100 ca cash back for transfer amounts between 10 000 ca to 29 999 99 ca iii 300 ca cash back for transfer amounts between 30 000 ca to 49 999 99 ca iv 500 ca cash back for transfer amounts between 50 000 ca to 69 999 99 ca v 700 ca cash back for transfer amounts between 70 000 ca or more gmt transfer limits may apply depending on the transfer method receiving country selected and credit card network used these limits may reduce the maximum cash back for which you may qualify cash back will be applied to your cibc account in 4 to 6 weeks read the cibc global money transfer agreement 135 kb pdf opens a new window learn more about the cibc global money transfer offer the cibc smart account for newcomers is offered to those who have received one of the following landed immigrant status issued within the past 5 years or a canadian permanent resident card issued within the past 5 years or confirmation of permanent residency imm5292 or imm 5688 issued within the past 5 years the cibc smart account for foreign workers is offered to temporary resident workers who have received one of the following a canadian work permit imm 1442 issued for at least a 12 month term or a refugee claimant document imm 585 or imm 5565 issued with a valid work permit for at least a 12 month term to learn more about the cibc smart account for foreign workers visit our dedicated webpage must show proof of entry into canada provide required supporting documents and provide a piece of photo identification monthly account fee is rebated for two years after which regular monthly account fees apply without notice this offer applies to the following eligible cards cibc dividend visa infinite card and cibc dividend platinum visa card you can qualify for this offer if you apply and are approved for a new eligible card beginning on july 8 2025 offer applies to newly approved card accounts only transfers and product changes from other cibc credit cards are excluded from this offer this offer is not transferable this offer may be withdrawn or changed without prior notice at any time this offer may be revoked if you appear to be manipulating or abusing it or are engaged in any suspicious or fraudulent activity as determined by cibc in its sole discretion if you apply and are approved for a new eligible ca...