N/A

• Equity & ETF Trades (Online): $6.95 per trade
• Active Trader (150+ trades/quarter, enrolled): $4.95 per trade
• Students (25+ with CIBC Smart™ for Students): $5.95 per trade
• Young Investors (<25 with CIBC Smart™ Start): $0 per trade
• Options Trading: $6.95 per trade plus $1.25 per contract
• Money Market Mutual Funds: $0
• Other Mutual Funds: $6.95 per trade
• Fixed Income / GICs / Structured Notes: $3.00 per $1,000 face value (min $30, max $250)
• Annual Fee (if total assets < $10,000): $100/year (shared across accounts; FHSA excluded)
• Annual Fee (if total assets ≥ $10,000): $0
• FHSA Accounts: No annual fee
• Margin Interest (CAD): 6.50%
• Margin Interest (USD): 8.75%
• Registered Account Debit Interest (CAD): 7.50%
• Registered Account Debit Interest (USD): 9.75%
• Currency Conversion Spread (<$25K): 1.6%
• Currency Conversion Spread ($25K–$100K): 0.9%
• Currency Conversion Spread ($100K–$250K): 0.5%
• Currency Conversion Spread (>$1M): 0.2%
• RESP Currency Conversion Spread: 0.1%
• Telephone Trades: $50 minimum commission

• No minimum deposit required to open an account
• Young investors under 25 must have a CIBC Smart™ Start chequing account to access $0 commissions and fee waivers
• Students aged 25 and over must hold a CIBC Smart™ for Students account to qualify for the $5.95 trade rate and fee waivers
• Active traders must complete 150+ trades per quarter and opt in to qualify for the $4.95 trade rate

• CIBC Investor’s Edge is a self-directed investing platform operated by the Canadian Imperial Bank of Commerce (CIBC). It is regulated by IIROC and protected by CIPF. The platform offers low-fee trading on a wide range of securities and account types, with strong digital tools and bank integration.
• Supported assets include Canadian and U.S. stocks, ETFs, options, mutual funds, fixed income products (bonds, GICs), IPOs, structured notes, precious metals (certificates), and CDRs (fractional shares of global companies).
• Account types offered include TFSA, RRSP, RESP, FHSA, RRIF, LIRA, LRSP, LIF, non-registered cash and margin accounts, corporate, partnership, and trust accounts.
• Investors benefit from a streamlined login via CIBC Online Banking, real-time quotes, research tools, watchlists, alerts, advanced charting, and U.S. extended trading hours from 8:05 a.m. to 6:00 p.m. ET.
• Funding from CIBC bank accounts is typically same-day. Transfers from outside institutions follow standard processing timelines and may involve fees.
• Customer support is available in English and French, with an Asian Trading Desk for Mandarin and Cantonese speakers. Communication channels include secure messaging, chat, and phone.
• Limitations include no access to forex, CFDs, direct crypto trading (only via ETFs), and no demo account. Investor protection is backed by CIPF and multi-factor authentication.
• CIBC Investor’s Edge is best suited for self-directed Canadians seeking a reliable, bank-integrated, cost-effective brokerage solution with no-frills tools and clear pricing.