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Legal (updated)


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WELCOME TO SIMPLII FINANCIAL™


STILL SPENDING WITHOUT OUR CASH BACK VISA?
YOU DESERVE BETTER.

Earn up to $150 of value in your first 4 months on eligible purchases with a
Simplii Cash Back Visa!†, ‡, 1 The more you spend, the more you earn – so let’s
get you started today.   

Offer ends February 29, 2024. Conditions apply.

Get started   opens in a new window. Not a client yet? Apply now opens in a new
window.


WHAT CAN WE HELP YOU FIND?

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ALL THE PERKS, NONE OF THE FEES


WE MAKE BANKING SIMPLE

Bank with us anytime, anywhere. Manage your money online, on your phone or at
any CIBC ATM with no monthly fees.

Join Simplii




NO-FEE DAILY BANKING

Life's busy. Keep things simple and enjoy no-fee daily banking without a minimum
balance. 

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LOAD UP ON SPECIAL OFFERS

Get the most out of your banking with special perks.

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LATEST FEATURES AND UPDATES

Find out about new and upcoming updates to get the most out of digital banking.

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DIGITAL BANKING SIMPLIFIES LIFE


BANK YOUR WAY — ANY TIME, ANYWHERE. USE MOBILE AND ONLINE BANKING TO FIT YOUR
LIFESTYLE. MANAGE YOUR ACCOUNTS, APPLY FOR PRODUCTS AND TAP AND PAY WITH YOUR
PHONE. IT'S REALLY THAT EASY.




Send money with Interac e-Transfer®

Send money internationally

Pay with mobile payment
Order foreign cash
Find an ATM near you
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More ways to bank simply


OUR COMMITMENT TO YOU CONTINUES TO BE AWARDED

Thank you for helping us become a winner of the 2023 Ipsos Awards.

For the second consecutive year, Simplii has been recognized in the Value for
Money category by the Ipsos Financial Service Excellence Awards.

2022

2023





AWARD-WINNING PRODUCTS

Our No Fee Chequing Account and Cash Back Visa* Card have been selected as some
of the best offers in the market

Winner of the Best Chequing Account



Winner of the Best Credit Card for Young Adults



Winner of the Best Credit Card for Newcomers




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Live a life less complicated. Get tips on how to simplify your life, get answers
to your money questions, stay on top of the latest headlines and catch up on
what's going on at Simplii.

Money explained


HOW TFSAS CAN BE A POWERFUL SAVINGS TOOL

Nov. 21, 2022

Read article 5 minutes

Money explained


HOW CANADIANS EARNING IN AMERICAN DOLLARS CAN MANAGE THEIR MONEY

Nov. 10, 2022

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Money explained


INTERNATIONAL STUDENT? SPEED UP YOUR STUDY PERMIT WITH THE STUDENT DIRECT
STREAM.

Nov. 10, 2022

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SIMPLII FINANCIAL IS A DIVISION OF CIBC, A CDIC MEMBER

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LEARN HOW TO PROTECT YOURSELF FROM FRAUD AND SCAMS

Scammers are everywhere but it’s easy to stay safe with a few simple tips.

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Legal

Trademarks

Legal _s1

This offer applies to the Simplii Financial™ Cash Back Visa* Card. You can
qualify for this offer if you apply and are approved for a new eligible card
beginning August 18, 2023.

The 10% cash back offer (applies an incremental 6% cash back to the 4% cash back
already awarded) on eligible restaurant, bar and coffee shop purchases is
available to new cardholders who apply and are approved for the Simplii
Financial Cash Back Visa Card beginning August 18, 2023. The 6% incremental cash
back applies on eligible restaurant, bar and coffee shop purchases made during
your first 4 monthly statement periods beginning from your account open date or
$500 in total restaurant, bar and coffee shop purchases (equal to $30 cash
back), whichever comes first. This offer will not result in any changes to the
4% cash back already earned on restaurant, bar and coffee shop purchases, and
those purchases will be included within the $5,000 annual spend limit that earns
4% cash back. This offer may be withdrawn or changed without prior notice at any
time. Simplii Financial may, in its sole discretion, disqualify, limit or revoke
this offer if you are believed to be abusing or manipulating it, or engaging in
any suspicious or fraudulent activity.

†

Legal _s2

The Simplii Financial™ Cash Back Visa* Card Up to $100 Statement Credit Offer
(the “Offer”) begins on December 5, 2023 at 12:01 am ET and ends on February 29,
2024 at 11:59 pm ET (the “Offer Period”). The Offer consists of a $50 Statement
Credit (the “Welcome Reward”) and an additional reward consisting of either a
$25 Statement Credit or a $50 Statement Credit (the “Additional Reward”) to
qualifying primary account holders for applying and being approved for a new
Simplii Financial™ Cash Back Visa* Card (the “New Credit Card”) and complying
with the following requirements:

1. Eligibility

This Offer is open only to Canadian residents who have reached the age of
majority in their province of residence and can be combined with all other
offers unless otherwise indicated. Individuals who meet the foregoing
eligibility requirements and otherwise comply with these Terms are referred to
as “Eligible Client(s)”.

2. Offer Requirements

To qualify for the Welcome Reward, an Eligible Client must: 

(i) apply and be approved for a New Credit Card as the primary cardholder during
the Offer Period, and

(ii) make a qualifying first purchase on the New Credit Card by March 31, 2024. 

To qualify for an Additional Reward consisting of a $25 Statement Credit, an
Eligible Client must: 

(i) have a minimum of $1,000 and up to a maximum of $1,999 in total net
purchases posted to their New Credit Card within 90 days of opening the New
Credit Card (the “Spend Period”) 

OR 

To qualify for an Additional Reward consisting of a $50 Statement Credit, an
Eligible Client must:

(i) have a minimum of $2,000 in total net purchases posted to their New Credit
Card within the Spend Period. 

3. Payment of Welcome Reward and Additional Reward

If an Eligible Client qualifies to receive the Welcome Reward, the Welcome
Reward will be applied to the New Credit Card (which must remain active and in
good standing at the time the Welcome Reward is awarded) within 120 days after
the qualifying first purchase is made. 

If an Eligible Client qualifies to receive the Additional Reward, the Additional
Reward will be applied to the New Credit Card (which must remain active and in
good standing at the time the Additional Reward is awarded) within 120 days
after the end of the Spend Period.

For example, a qualifying Eligible Client who makes a qualifying first purchase
with their New Credit Card in December 2023 will receive the Welcome Reward by
March 2024. If the Eligible Client spends a minimum of $1,000 on their New
Credit Card by March 2024, they will receive the Additional Reward by July 2024.

4. Additional Limitations and Conditions

The Welcome Reward and Additional Reward must be accepted as awarded and is not
transferable or assignable. No Welcome Reward or Additional Reward substitutions
will be permitted. Limit of one Welcome Reward and one Additional Reward ($25
Statement Credit or $50 Statement Credit) per Eligible Client no matter how many
New Credit Cards are opened. The recipient of the Welcome Reward and Additional
Reward is solely responsible for any tax consequences associated with their
receipt thereof. The following do not qualify as purchases: cash advances,
Simplii Financial Global Money Transfers, interest, fees, balance transfers,
payments and convenience cheques.

The Offer is subject to the terms and conditions of the Simplii Financial Credit
Card Agreement. Simplii Financial reserves the right to cancel or change the
terms of the Offer at any time without notice, for any reason, and to revoke the
Offer from any customer who appears to be manipulating or abusing the Offer, or
is engaged in any suspicious/fraudulent activity.

In the event of any discrepancy or inconsistency between the terms and
conditions as provided in these Terms and disclosures or other statements
contained in any Offer-related materials, including, but not limited to
television, print or online advertising, the terms and conditions of these Terms
shall prevail, govern and control to the fullest extent permitted by law.

‡

Legal 1

Cash back is earned on net card purchases (purchases less returns) when your
account is open and in good standing and not on cash advances, interest, fees,
balance transfers, payments or Convenience Cheques. Cash back is calculated as
follows: Earn 4% on the first $5,000 in net annual card purchases on restaurant,
bar and coffee shop purchases, which currently include merchants classified as
Eating Places and Restaurants; Drinking Places (Alcoholic Beverages) - Bars,
Taverns, Nightclubs, Cocktail Lounges, and Discotheques; Fast Food Restaurants;
or Caterers. Earn 1.5% on the first $15,000 in net annual card purchases on gas,
grocery and drugstore purchases and pre-authorized payments. Gas, grocery and
drugstore purchases currently include merchants classified as Service Stations
(with or without Ancillary Services); Automated Fuel Dispensers; Grocery Stores
and Supermarkets; Drugs, Drug Proprietaries, and Druggist's Sundries; or
Drugstores and Pharmacies. Pre-authorized payments are payments made on a
monthly or other regular basis, which are automatically billed by the merchant
to your Account. Earn 0.5% on all other net annual card purchases, including
those in the categories above when the $5,000 and $15,000 limits are exceeded.
If a transaction could fit under more than one cash back category, you will be
awarded the cash back of the higher category, subject to the $5,000 and $15,000
limits. Merchants are classified by the credit card network and the network may
change the names of classifications or change the classification of merchants at
any time. Simplii Financial is not responsible for merchant classification. The
$5,000 and $15,000 limits will reset to zero after the day your December
statement is issued. Your cash back is applied as an annual credit on the
primary cardholder’s January statement. Changes to terms, conditions and
eligible merchant categories may occur at any time without notice. We may cancel
the cash back program on 60 days’ notice. Credit for returns made on your
Account may result in a deduction of cash back at a higher earn rate, even
though the return may relate to a purchase that earned cash back at a lower
rate.

1

ⓘ
 





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