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Limited time offer
Get 100 free online stock or ETF trades and up to $3,000 cash back. Kick-start your portfolio today.
What kind of investor are you?
You make less than 150 trades per quarter.
Trading fees
Canadian and U.S. stocks and ETFs
per online stock or ETF trade
Canadian and U.S. options
per contract
Limited time offer
Limited time offer until April 6, 2023.
$0 commission on money market mutual funds
Commissions for fixed income and money market instruments are included in the price or yield and will be disclosed on the order entry screen, as well as on your fixed income trade confirmations.
Annual account fees
When the market balance of your account is greater than $25,000
When the market balance of your account is $25,000 or less
When the market balance of your account is greater than $10,000
When the market balance of your account is $10,000 or less
You make more than 150 trades per quarter.
Trading fees
Active trader pricing
per online stock or ETF trade
Active trader pricing
per contract
Limited time offer
Limited time offer until April 6, 2023.
$0 commission on money market mutual funds
Commissions for fixed income and money market instruments are included in the price or yield and will be disclosed on the order entry screen, as well as on your fixed income trade confirmations.
Annual account fees
When the market balance of your account is greater than $25,000
When the market balance of your account is $25,000 or less
When the market balance of your account is greater than $10,000
When the market balance of your account is $10,000 or less
You’re under 25 and have a deposit account with CIBC Smart™ Start.
Trading fees
Canadian and U.S. stocks and ETFs
per online stock or ETF trade
Canadian and U.S. options
per contract
Limited time offer
Limited time offer until April 6, 2023.
$0 commission on money market mutual funds
Commissions for fixed income and money market instruments are included in the price or yield and will be disclosed on the order entry screen, as well as on your fixed income trade confirmations.
Annual account fees
$0 annual fees
If you’re a young investor under 25 and have a deposit account with CIBC Smart Start, we’ll waive the $100 annual fee for all registered and non-registered accounts.
No minimum balance
Get started without worrying about maintaining a minimum balance.
You’re over 25 and have a chequing account with CIBC Smart™ for Students Opens in a new window..
Trading fees
Canadian and U.S. stocks and ETFs
per online stock or ETF trade
Canadian and U.S. options
per contract
Limited time offer
Limited time offer until April 6, 2023.
$0 commission on money market mutual funds
Commissions for fixed income and money market instruments are included in the price or yield and will be disclosed on the order entry screen, as well as on your fixed income trade confirmations.
Annual account fees
$0 annual fees
If you’re a student investor and have a chequing account with CIBC Smart for Students, we’ll waive the $100 annual fee for all registered and non-registered accounts.
No minimum balance
Get started without worrying about maintaining a minimum balance.
Cash and margin rates
Non-registered accounts
| All credit balances | 0.00% | 0.00% |
| All debit balances | 8.25% | 8.75% |
Registered accounts
| All credit balances | 0.00% | 0.00% |
| All debit balances | 9.25% | 9.75% |
Foreign currency transactions1
| $0 to $4,999.99 | 200 | 1.6% |
| $5,000 to $24,999.99 | 180 | 1.4% |
| $25,000 to $74,999.99 | 130 | 1.0% |
| $75,000 to $99,999.99 | 90 | 0.7% |
| $100,000 to $249,999.99 | 75 | 0.6% |
| $250,000 to $499,999.99 | 40 | 0.3% |
| $500,000 to $999,999.99 | 35 | 0.3% |
| $1,000,000 and up | 25 | 0.2% |
Telephone trading fees
Any trades you place over the phone are subject to the commission charges based on the investment type and price. A minimum commission of $50 applies to all Canadian and U.S. orders.