CIBC Smart for Students / Welcome to Canada Package
Newcomers get up to 2 years fee-free — among the longest of the majors. Its $0-fee Global Money Transfer (rate-based) rewards frequent transfers to Japan, and pre-arrival online applications are supported.
Monthly fees, welcome bonuses, and charges change over time (last verified: July 2026). Japanese-language support may depend on branches with Japanese-speaking staff and is not always an official service. Compare real transfer costs as fees plus exchange-rate margin. Always check each official site for the latest details.
Check the latest fees, promotions, and application requirements on the official site.
Go to Official SiteListed information reflects our research at the time of publication. Terms and details may change. Please confirm the latest information on each official site or by contacting us.