Jul 21, 2017. CIBC, or The Canadian Imperial Bank of Commerce, is one of the five largest banks in Canada. As such, CIBC is able to offer a variety of fantastic low-interest-rate credit card options for its customers, many of which feature rewards like cash back bonuses, “Tim Cash,” and other great perks. We know you're. Mar 11, 2015. Alex Pavlovic has decided to Go Public after his CIBC Aeroplan Infinite Visa card was hacked nine times by sequencing fraud, sometimes even before he activated or used it. Enter the Card number for the credit card you want to register for CIBC VISA Verified by Visa. Please enter your CIBC credit card number below. Stay on budget the easy way with the CIBC Smart™ Prepaid Visa* Card. Set your budget, load your card and spend on your own terms. To activate your card. Mar 19, 2007. 'While activation of a card can be done from a home phone number, additional personal information is also required before the card is activated to ensure the card is being used by the correct person.' In a similar case, Scott McKibbon's 18-year-old son applied for a CIBC Visa card with a $500 limit. Convenience • The perfect companion to cash and your CIBC debit and credit cards • Load from your CIBC bank account or CIBC Personal Line of Credit, or with your credit or debit card at the Toronto Pearson Airport Banking Centre • Free cash withdrawals at CIBC ATMs within Canada • The ATM cash withdrawal fee is waived for one withdrawal outside of Canada per month • Funds don't expire 3 • Free 24/7 online access to your account balance and transactions • Buying and using a CIBC prepaid card won’t affect your credit rating • Save time when shopping online. Use CIBC Online Banking ® to set up a Visa Checkout* account with this card • Set up email or SMS alerts and get notified about your card activity 4. Security Chip technology Enhances an already secure payment system and is recognized around the world as a standard of safety and security Verified by Visa This free global authentication service makes shopping online at participating retailers more secure by providing an additional layer of protection. Visa's Zero Liability Policy If someone steals your card or other card details, you won’t be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations 5. Active fraud monitoring Helps protect your money by detecting possible fraudulent transactions. The following fees apply: Fee Amount Customization $5.95 CAD $4.50 USD 6 CAD USD EUR GBP MXN ATM withdrawals (within Canada) 7 Free Free Free Free Free ATM withdrawals (outside Canada) 7 The first ATM withdrawal in each month is free. $3.50 $2.50 €2.25 £2.00 $50.00 Card replacement (lost or stolen) $14.95 $10.95 €9.95 £7.95 $199.95 Card replacement shipment by courier (optional) $15.00 $11.00 €10.00 £8.00 $200.00 Foreign conversion Transactions (debits and credits) not in the currency of your Card are converted into the currency of your Card no later than the Transaction posting date at an exchange rate that is 2.5% over the rate CIBC must pay. 2.5% The following transaction limits apply 8: Limit CAD USD EUR GBP MXN Minimum load amount $20 $15 €13 £10 $250 Daily (24-hour) maximum load $3,000 $2,100 €2,000 £1,500 $39,000 Daily (24-hour) maximum ATM withdrawal limit $1,000 $700 €650 £500 $13,000 Daily (24-hour) maximum point of sale purchase limit $3,000 $2,100 €2,000 £1,500 $39,000 Maximum balance $10,000 $7,000 €6,500 £5,000 $130,000. Where can I buy CIBC prepaid cards? You can buy prepaid cards at any CIBC Banking Centre, including Toronto Pearson Airport, and through CIBC Online Banking and CIBC Mobile Banking. Where can I use a CIBC prepaid card? You can use a CIBC prepaid card to shop securely and conveniently anywhere Visa* is accepted, including at stores, online and by phone. How soon can I use my CIBC prepaid card after I buy it? If you get your card from a CIBC Banking Centre You can use your prepaid card once you’ve signed the back. Your PIN is in the package. If you order your card online Once your prepaid card arrives in the mail, you can use it after you’ve activated it and signed the back. When you get a new prepaid card in the mail, your PIN will be sent separately. To activate your card, call Prepaid Cardholder Services at 1-855-887-3888 (1-650-432-1298 outside Canada and the U.S.) or visit. How do I use a CIBC prepaid card? Use a prepaid card to pay for purchases anywhere Visa* is accepted, including at stores, online and by phone. Be aware of the available balance on your prepaid card before you make a purchase. The transaction may be declined if the balance doesn’t cover the purchase amount. Can I buy more than one prepaid card? You can buy up to 5 prepaid cards, one for each currency. CIBC Smart™ Prepaid Visa Card is available in: • CAD – Canadian dollars CIBC Smart™ Prepaid Travel Visa Card is available in: • USD – U.S. Dollars • EUR – Euros • MXN – Mexican pesos • GBP – British pounds Will my card have my name on it? If you order your card through Online Banking, you’ll receive it in the mail with your name on it. If you buy a card at a CIBC Banking Centre, it won’t include your name. If you’d like to request a card with your name on it, call 1-855-887-3888 (1-650-432-1298 outside Canada and the U.S.). What happens if the remaining balance on my CIBC prepaid card doesn’t cover the full amount of my purchase? Tell the merchant in advance you’d like to make a split payment. You’ll need to know the available balance on your prepaid card and use another payment method for the difference. How do I shop in stores with a CIBC prepaid card? When prompted, tap, insert or swipe your prepaid card at the merchant’s terminal. Then, if necessary, enter your PIN, or sign, to authorize the transaction. Note: if “prepaid” is not a payment options, choose “Chequing”, “Savings” or “Credit Card” – the money will be deducted from your prepaid card balance, not your other accounts. How do I shop online with a CIBC prepaid card? • Choose Visa* as the card type • Provide your prepaid card number and expiry date. Some online retailers require the 3-digit security code on the back of your card • Enter your first and last name • Follow the prompts to complete the transaction How do I change the PIN on my CIBC prepaid card? To change your PIN, call 1-855-887-3888 (1-650-432-1298 outside Canada and the U.S.) and follow the automated prompts for changing your PIN. Your new PIN will be updated once you use your card to withdraw cash at an ATM or make a purchase using your PIN. Note: If your first transaction is an in-store purchase, do not tap or swipe your card. You will be prompted to enter your PIN three times to update your card and complete your purchase. How do I set up email or SMS alerts? Sign in or register. Then follow the instructions for setting up alerts. Can I use a CIBC prepaid card for bookings and reservations? Yes, but some merchants may advise you to use a credit card instead. Some merchants such as restaurants, salons, hotels, cruise lines and car rental agencies may place a hold on funds for the total amount of your purchase, plus up to an additional 20% (i.e. For tips or incidental charges). If the authorization or hold amount is higher than your prepaid card balance, the transaction may be declined. How do I reload my CIBC prepaid card? If you are a CIBC client, sign on to CIBC Online Banking ® or CIBC Mobile Banking ®. Select the drop-down next to the prepaid card you want to load, then choose “Reload” and follow the instructions. Non-CIBC clients can reload their card at CIBC Banking Centres in Toronto Pearson Airport. Can I buy or load a Smart Prepaid Card with cash or with a debit or credit card? CIBC clients can buy and load from an existing bank account, including a US $ account, or Personal Line of Credit. If you want to buy or load your prepaid card using cash, simply deposit the cash in your CIBC account and complete the purchase or load your card from that account. If you are not a CIBC client, you can buy or load your prepaid card from a debit or credit card at CIBC Banking Centres in Toronto Pearson Airport. What are the fees for CIBC prepaid cards? The following fees apply. Fee Amount Customization $5.95 CAD $4.50 USD¹ CAD USD EUR GBP MXN ATM Withdrawals (Within Canada)* Free Free Free Free Free ATM Withdrawals (Outside Canada)* The first ATM withdrawal in each month is free. $3.50 $2.50 € 2.25 £2.00 $50.00 Card Replacement (Lost or stolen) $14.95 $10.95 € 9.95 ₤7.95 $199.95 Card Replacement Shipment by Courier (optional) $15.00 $11.00 €10.00 ₤8.00 $200.00 Foreign Conversion Transactions (debits and credits) not in the currency of your Card are converted into the currency of your Card no later than the Transaction posting date at an exchange rate that is 2.5% over the rate CIBC must pay 2.5% *These fees are the ATM withdrawal fees charged by CIBC. Non-CIBC ATM providers may charge additional fees. 1 When paying from a CIBC USD deposit account. Will a CIBC prepaid card affect my credit rating? Buying or using a prepaid card won’t affect your credit rating because it’s not a credit card. It’s a prepaid card that lets you use only the money you’ve loaded onto it. Can I buy CIBC prepaid cards if I’m not a client? Non-CIBC clients can buy prepaid cards at the Toronto Pearson Airport Banking Centre in Toronto. You must provide 2 pieces of identification to purchase a prepaid card using your debit or credit card. Learn more about. Can I buy CIBC prepaid cards if I’m a non-resident of Canada or a visitor? However, in order to buy a CIBC Smart Prepaid Card you must have a valid Canadian address and provide 2 pieces of identification. Learn more about. Is there a minimum age requirement to get a CIBC Smart Prepaid Visa Card? No, there is no minimum age requirement. In order to get a care you must have a valid Canadian address and provide 2 pieces of identification. Learn more about. Why is there an expiry date on my CIBC prepaid card? An expiry date is required to process transactions such as online purchases. The money on your card doesn’t expire. Your card expires on the last day of the month shown on the card. Before your card expires, a replacement will be sent to you, if: • Your card has a positive balance and you’ve used it in the last 12 months, or • Your card has zero balance and you’ve used it in the last 30 days To request a replacement card, you can also call 1-855-887-3888 (1-650-432-1298 outside Canada and the U.S.). Is it safe to use a CIBC prepaid card? Yes, you’re protected against fraud under the Visa Zero Liability Policy. You’re safe when shopping in person and online. If your card or card details are lost or stolen, you won’t be held responsible for unauthorized use, provided you meet your obligations outlined in the cardholder agreement available at What should I do if my CIBC prepaid card is lost or stolen? Should you notice suspicious activity on your card, discover your card to be lost, stolen or misused, or suspect that someone knows your PIN or card details, contact us immediately at 1-855-887-3888 (1-650-432-1298 outside Canada and the U.S.). A replacement fee applies. How do I return something I bought with my CIBC prepaid card? You may need to present your prepaid card and the merchant receipt for a refund. The merchant may choose to return funds to the same prepaid card that was used to make the purchase. It may take up to 10 days to process a refund to your card, so you can’t use the money during that time. Can I use a CIBC prepaid card to withdraw money from an ATM or get cash back from a merchant? You can withdraw money from ATMs worldwide. Just look for the Visa* or Plus* symbol. You can’t get cash back from a merchant. What currencies can I use with a CIBC prepaid card? Prepaid cards are available in 5 currencies: The CIBC Smart™ Prepaid Visa Card is available in: • CAD - Canadian dollars The CIBC Smart™ Prepaid Travel Visa Card is available in: • USD – U.S. Dollars • EUR – Euros • MXN – Mexican pesos • GBP – British pounds Can I use a CIBC prepaid card to withdraw U.S. Money from a U.S. Dollar ATM in Canada? Even with the U.S. Dollar CIBC Smart™ Prepaid Travel Visa card you can only withdraw Canadian funds from ATMs in Canada. 1 Transaction limits apply. 2 CIBC foreign exchange rates apply. 3 Your Card expires on the last day of the month set out on the Card. If your Card has a balance on it and you have used your Card in the last 12 months, a replacement Card will automatically be mailed to you prior to the expiry date. We will also mail you a replacement Card prior to the expiry date if your Card has a zero or negative balance, but you have used it in the last 30 days. Otherwise, please contact us if you would like a replacement for your expired Card. We will send your replacement Card to your registered address on file at no additional cost. 4 Text message charges may apply. Check with your service provider. 5 The Visa Zero Liability Policy does not apply to ABM transactions. You must comply with the Prepaid Card agreement including safeguarding your card, your card details and PIN. 6 When paying from a CIBC USD deposit account. 7 These are the ATM withdrawal fees charged by CIBC. Non-CIBC ATM providers may charge additional fees. 8 To prevent fraud, we may impose additional Transaction limits and we may change them at any time, with or without notice to you. ATM providers may also set their own withdrawal limits which may be lower.
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