CIBC student offer
Students earn $125† cash, a free Skip+ membership, and SPC+ when you open a CIBC Smart™ Start account.*
More offers from CIBC
Welcome to SPC! Get started with $125 cash‡ from CIBC and a $125 gift card from SPC. Only 15 days to claim.
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Welcome to SPC! Get started with $125 cash‡ from CIBC and a $125 gift card from SPC. Only 15 days to claim.
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The ultimate banking bundle for Canadian students
Managing your money while in school should not be stressful—or expensive. The CIBC Smart™ Start account is designed specifically for students and youth, offering unlimited everyday banking and Interac e-Transfers with absolutely no monthly fees until you turn 25. But it is not just about saving on bank fees; it is about getting seriously rewarded. When you open your first CIBC Smart Start chequing account and complete a few simple qualifying actions, you earn $125 in cash deposited right into your account. Plus, your new account automatically acts as an all-access pass to the best student perks in Canada. You will unlock a free premium SPC+ membership (giving you up to 30% off at over 450 top brands) and a 12-month Skip+ membership for $0 delivery fees on your study break cravings. It is the perfect all-in-one financial toolkit to build your savings and elevate your student lifestyle.
Frequently asked questions
What is the CIBC Smart™ Start account?
The CIBC Smart™ Start is an everyday chequing account designed for Canadians under the age of 25. It provides unlimited debit and Interac e-Transfer transactions, easy mobile banking, and comes with zero monthly account fees to help you keep more of your money while in school.
How do I earn the $125 cash reward?
To get your $125 cash bonus, you need to open your first chequing account with CIBC Smart Start. Then, simply complete the required qualifying actions—like making 5 Visa* Debit purchases online within the same calendar month—within 2 months of opening your account.
Are there really no monthly fees for this bank account?
That is correct! As long as you are under the age of 25, the CIBC Smart™ Start account has $0 monthly fees. Once you turn 25, the account seamlessly transitions into a regular CIBC Smart Account (though full-time students over 25 can still get their fees waived with the CIBC Smart™ for Students account).
How do I get my free SPC+ and Skip+ memberships?
Once your CIBC Smart Start account is open, you automatically qualify for the perks! You can register through your banking portal to upgrade your SPC account to the premium SPC+ tier for free. To get your 12-month Skip+ membership, simply link your eligible new CIBC debit card as the payment method in your Skip account.
Who is eligible to open a CIBC Smart™ Start account?
To qualify for this specific account and its welcome offers, you must be a Canadian resident under the age of 25 and have one piece of valid, government-issued photo ID. You also must be opening your very first chequing account with CIBC to be eligible for the $125 cash bonus.
