CIBC Smart™ Start:
Earn $125† in cash & free‡ SPC+
Your new CIBC account qualifies you for the premium SPC+ membership, helping students save up to 30%◊ on 450+ top brands across Canada.
Key CIBC Benefits:
- $125† cash for new CIBC Smart™ Start clients
- No monthly fees until age 25††
- Free‡ SPC+: The ultimate student discount card upgrade
Your 3-Step path to Smart Savings
Create your SPC account
Easy access to connecting you to smart banking.
Open CIBC Smart™ Start account
Unlock your cash reward and free‡ SPC+ membership.
Get SPC+ free
Register for SPC+ after your CIBC account is open for discounts of up to 30% off◊.
Why students choose CIBC Smart™ Start
Gain financial freedom while learning to manage your money as a student
cash bonus
Earn $125† cash
savings
Free SPC+
(Average yearly savings $340**)
banking fees
Enjoy no-fee everyday banking until age 25††
Never miss a deal
**Average annual savings of up to $343 are based on an estimated annual spend of $1372.21 where clients receive an average discount up to 25%. Average annual savings are calculated as following: Average annual spend before discount of $1372.21 x Average SPC membership discount of up to 25% = Average annual savings of $343 per client. †† Monthly account fee is rebated until age 25. Regular CIBC Smart Account fees will apply thereafter.
◊ Terms and conditions apply.
