Here’s how it works

Step 1 of 3.

Make sure you have an eligible account

An active CIBC chequing or savings account and access to CIBC mobile or online banking is all you need to start making referrals and earning cash rewards.

 Step 2 of 3.

Share your link with a friend

This can be any student or youth under age 25 who does not have a CIBC Smart™ Account

Step 3 of 3.

Enjoy the extra cash

Both you and your friend earn $75 once they’ve: 

Why students and youth love CIBC

Bank anywhere with our award-winning mobile app or access one of our many banking centres and ATMs conveniently located across Canada.

Earn cash back with credit card purchases. Students don’t need to provide an income, credit history, or a security deposit.

Pay bills, transfer money between your accounts and use Interac e-Transfer® service to send money to your friends.

Frequently asked questions