Training Example: Simplii Financial – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Alert message regarding postal service disruption

During the Canada Post service disruption, any mail you normally receive from Simplii will be delayed.
Learn more about steps you can take during the Canada Post disruption.

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[H1] Welcome to Simplii Financial™
[H2] Earn up to 20% cash back†
Earn cash back on essentials with a Simplii Cash Back Visa* Card. Earn up to $100 cash back in your first 3 months when you spend up to $500 on eligible gas, grocery, and drugstore purchases, and pre-authorized payments.†
Conditions apply.

Tell me more
about the Simplii Cash Back Visa* Card.

During the Canada Post service disruption, any mail you normally receive from Simplii will be delayed. Learn more about steps you can take during the Canada Post disruption.

[H2] What can we help you find?

Accounts

Credit card

Mortgages

Borrowing

Investments

[H2] All the perks, none of the fees

[H3] 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

[H3] No-fee daily banking
Life's busy. Keep things simple and enjoy no-fee daily banking without a minimum balance.
Tell me more about the No Fee Chequing Account.

[H3] Load up on special offers
Get the most out of your banking with special perks.
Tell me what I can get

[H2] Enjoy a free Skip+ membership with Simplii!
Unlock your free Skip+ membership and a $20 welcome voucher by linking your eligible Simplii debit or credit card to Skip.† Not a client yet? Apply now to enjoy this offer.
Conditions apply.

Tell me more

[H3] Latest features and updates
Find out about new and upcoming updates to get the most out of digital banking.

Tell me more

[H2] Digital banking simplifies life

[H3] 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

More ways to bank simply

[H2] Our commitment to you continues to be awarded
Thank you for helping us become a winner of the 2024 Forbes Awards.
For a sixth consecutive year, Simplii has been recognized as one of the world's best banks for 2024 by Forbes – powered by Statista.

[IMG: World’s Best Banks Forbes 2024 powered by Statista. Six year champion. Recognized every year since 2019.]

2024

[H2] 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

[IMG: Ratehub.ca Best Chequing Account 2023 badge.]

Winner of the Best Chequing Account

[IMG: Hardbacon Best Credit Card for Young Adults 2024 badge.]

Winner of the Best Credit Card for Young Adults

[IMG: Savvy Best Newcomers Credit Card 2024 badge.]

Winner of the Best Credit Card for Newcomers

[H2] Our privacy and security promise
Bank without worry. We use multiple layers of protection to help keep your information safe.

Tell me more about online security

[H2] Simplii Financial is a division of CIBC, a CDIC member

CDIC Deposit Insurance Information Opens in a new window.

[H2] Learn how to protect yourself from fraud and scams
Scammers are everywhere but it’s easy to stay safe with a few simple tips.

Visit Preventing Fraud

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[H2] Can't find what you're looking for?

Use the arrow keys for suggested results.

Ask us

We can't find any matches for {term} Please try again.

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Select a star rating from one star to five stars.
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[H3]
Here are the top matches for your search.

Displaying {number} out of {total} question(s)

[H3] Other questions people were interested in.

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[H3]
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[H1] Today's Rates
Great interest rates? Check. Banking that's easy? Check. Select a product type for our rates.

[H2] Find the rate you're looking for

[H3] Bank account rates
No-fee daily banking that's simple
No Fee Chequing Account
High Interest Savings Account
USD Savings Account
Overdraft

[IMG: Two friends on a couch talking and drinking a coffee.]

[H3] Mortgage rates
Powered by CIBC
All mortgage rates

[IMG: Two friends on a couch talking and drinking a coffee.]

[H3] Borrowing rates
Get the funds you need
Personal Line of Credit
Secured Line of Credit
Personal Loan

[IMG: Two friends on a couch talking and drinking a coffee.]

[H3] Investment rates
Give your money room to grow
GICs and RGICs
RRSP Savings Account
Tax-Free Savings Account

[H3] CIBC Prime Rate: RDS%rate[1].PRIME.Published(null,null,null,null)(#O2#)%ⓘ
Effective date: RDS%SYSTEM_DATE(#M# #d#, #Y#)%

[H2] Have questions?

Top FAQ

Call us anytime at 1-888-723-8881Opens your phone app.
You may experience longer than normal wait times due to a higher volume of calls.

Email us  talktous@simplii.com Opens your email app.

Alert message regarding postal service disruption

During the Canada Post service disruption, any mail you normally receive from Simplii will be delayed.
Learn more about steps you can take during the Canada Post disruption.

JHGKGKGLKJGLGJLGGJLGJLGLJGLGLJ

[H1] Welcome to Simplii Financial™
[H2] Earn up to 20% cash back†
Earn cash back on essentials with a Simplii Cash Back Visa* Card. Earn up to $100 cash back in your first 3 months when you spend up to $500 on eligible gas, grocery, and drugstore purchases, and pre-authorized payments.†
Conditions apply.

Tell me more
about the Simplii Cash Back Visa* Card.

During the Canada Post service disruption, any mail you normally receive from Simplii will be delayed. Learn more about steps you can take during the Canada Post disruption.

[H2] What can we help you find?

Accounts

Credit card

Mortgages

Borrowing

Investments

[H2] All the perks, none of the fees

[H3] 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

[H3] No-fee daily banking
Life's busy. Keep things simple and enjoy no-fee daily banking without a minimum balance.
Tell me more about the No Fee Chequing Account.

[H3] Load up on special offers
Get the most out of your banking with special perks.
Tell me what I can get

[H2] Enjoy a free Skip+ membership with Simplii!
Unlock your free Skip+ membership and a $20 welcome voucher by linking your eligible Simplii debit or credit card to Skip.† Not a client yet? Apply now to enjoy this offer.
Conditions apply.

Tell me more

[H3] Latest features and updates
Find out about new and upcoming updates to get the most out of digital banking.

Tell me more

[H2] Digital banking simplifies life

[H3] 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

More ways to bank simply

[H2] Our commitment to you continues to be awarded
Thank you for helping us become a winner of the 2024 Forbes Awards.
For a sixth consecutive year, Simplii has been recognized as one of the world's best banks for 2024 by Forbes – powered by Statista.

[IMG: World’s Best Banks Forbes 2024 powered by Statista. Six year champion. Recognized every year since 2019.]

2024

[H2] 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

[IMG: Ratehub.ca Best Chequing Account 2023 badge.]

Winner of the Best Chequing Account

[IMG: Hardbacon Best Credit Card for Young Adults 2024 badge.]

Winner of the Best Credit Card for Young Adults

[IMG: Savvy Best Newcomers Credit Card 2024 badge.]

Winner of the Best Credit Card for Newcomers

[H2] Our privacy and security promise
Bank without worry. We use multiple layers of protection to help keep your information safe.

Tell me more about online security

[H2] Simplii Financial is a division of CIBC, a CDIC member

CDIC Deposit Insurance Information Opens in a new window.

[H2] Learn how to protect yourself from fraud and scams
Scammers are everywhere but it’s easy to stay safe with a few simple tips.

Visit Preventing Fraud

inlineresult

[H2] Can't find what you're looking for?

Use the arrow keys for suggested results.

Ask us

We can't find any matches for {term} Please try again.

Top {category} questions

10
Rate this response
Select a star rating from one star to five stars.
Poor
Fair
Average
Good
Excellent

[H3]
Here are the top matches for your search.

Displaying {number} out of {total} question(s)

[H3] Other questions people were interested in.

Show more questions

[H3]
Top {category} questions

Displaying {number} out of {total} question(s)

Show more questions

[H1] Join Simplii™
A simple way to bank
Online or on your phone, we make it easy to manage your money.

[H2] Why join Simplii

[H3] Bank whenever and wherever you like
Use your computer, mobile device or any CIBC ATM to bank at your convenience. Your money is always where you are.

[H3] Banking, simplified. Seriously.
Simplified banking is our promise to you. There are some people who like what we do as well.

Check out our awards

[H3] What's new with us
We’re always working on new ways to improve your digital banking experience. Explore some of our new and upcoming features.

Tell me more about the Simplii Refer-a-Friend offer.

[H2] Bring a friend. Earn $125. Repeat.
Earn $125 each time a friend opens a No Fee Chequing Account or another eligible account using your unique referral link. Share your link and spread the word — your friends will get $50 too.ⓘ

Tell me more
about the Simplii Refer-a-Friend offer.

[H2] Start banking with us
Enjoy simple no fee daily banking. Explore products for new and current Simplii clients.

Featured

Accounts

Credit Card

Mortgages

Borrowing

Investments

No Fee Chequing
A No Fee Chequing Account is free daily banking with unlimited debit purchases, bill payments and withdrawals. It’s our most popular account for setting up direct payroll deposit and pre-authorized bill payments, and there is no need to carry a minimum balance. Account-to-account transfers are easy and Overdraft Protection can be added. A No Fee Chequing Account is designed for day-to-day banking. If you want your money to grow, check out our High Interest Savings Account.

Apply now
for a No Fee Chequing Account. Opens in a pop-up.

Simplii Financial™ Cash Back Visa* Card
The Simplii Financial™ Cash Back Visa* Card can be used anywhere Visa* is accepted for in-person and online purchases, has no annual fee and offers the ability to earn cash back. New purchases are not charged interest if your balance is paid in full by the payment due date every month. Your payment due date is 21 days from your monthly statement date. You should make required monthly payments on time or the interest rates applicable to your account could increase. Interest is always charged for Cash Advances, Balance Transfers or Convenience Cheques — making it worth your time to inquire into our unsecured Personal Line of Credit.

Apply now
for the Simplii Financial Cash Back Visa Card. Opens in a dialog.

International Student Banking Offer (ISBO)
Start your life in Canada with our banking offers

Apply now
for the International Student Banking Offer. Opens in a new window.

Student Banking Offer
Earn student benefits with our No Fee Chequing Account and Cash Back Visa* card

Apply now
for the Student Banking Offer. Opens in a new window.

High Interest Savings
A High Interest Savings Account lets you easily save your money without having it locked away for an extended period of time. There are no monthly or transaction fees, no minimum balance required and great interest rates are earned on every dollar. This account can be set up for automatic deposits but it isn’t meant to offer all the conveniences of our No Fee Chequing Account. A High Interest Savings Account isn’t available for ATM or Point-of-Sale transactions like our No Fee Chequing Account — which is the best choice for day-to-day banking.

Apply now
for a High Interest Savings Account. Opens in a pop-up.

Personal Line of Credit
A Personal Line of Credit is a revolving source of funds, up to an approved amount, that you can access when you need them. Any amount you repay is accessible to you again without reapplying. A line of credit lets you write cheques and make ATM withdrawals, and you only pay interest on the funds you use. It’s the preferred choice over a credit card if you plan on carrying a balance for an extended period of time. Check out our Simplii Financial™ Cash Back Visa* card if you want available credit and intend to pay off your balance every month.

Apply now
for a personal line of credit. Opens in a dialog.

No Fee Chequing
A No Fee Chequing Account is free daily banking with unlimited debit purchases, bill payments and withdrawals. It’s our most popular account for setting up direct payroll deposit and pre-authorized bill payments, and there is no need to carry a minimum balance. Account-to-account transfers are easy and Overdraft Protection can be added. A No Fee Chequing Account is designed for day-to-day banking. If you want your money to grow, check out our High Interest Savings Account.

Apply now
for a No Fee Chequing Account. Opens in a pop-up.

High Interest Savings
A High Interest Savings Account lets you easily save your money without having it locked away for an extended period of time. There are no monthly or transaction fees, no minimum balance required and great interest rates are earned on every dollar. This account can be set up for automatic deposits but it isn’t meant to offer all the conveniences of our No Fee Chequing Account. A High Interest Savings Account isn’t available for ATM or Point-of-Sale transactions like our No Fee Chequing Account — which is the best choice for day-to-day banking.

Apply now
for a High Interest Savings Account. Opens in a pop-up.

USD Savings Account
A USD Savings Account lets you grow your U.S. dollars with a great exchange rate. You can transfer funds from your Simplii Financial Canadian Dollar accounts to your USD Savings Account at great rates, and easily send money to over 130 countries around the world with a Global Money Transfer. There is no minimum balance required, no monthly service fees and you can deposit USD and non-USD cheques into the account. You can’t make cash deposits or withdrawals with a USD Savings Account and there is no ATM access or Point-of-Sale capability at this time. Check out our No Fee Chequing Account for day-to-day banking.

Sign on to apply

Simplii Financial™ Cash Back Visa* Card
The Simplii Financial™ Cash Back Visa* Card can be used anywhere Visa* is accepted for in-person and online purchases, has no annual fee and offers the ability to earn cash back. New purchases are not charged interest if your balance is paid in full by the payment due date every month. Your payment due date is 21 days from your monthly statement date. You should make required monthly payments on time or the interest rates applicable to your account could increase. Interest is always charged for Cash Advances, Balance Transfers or Convenience Cheques — making it worth your time to inquire into our unsecured Personal Line of Credit.

Apply now
for the Simplii Financial Cash Back Visa Card. Opens in a dialog.

Mortgages
A mortgage is a loan secured by your home or other property, and registered as a charge or line on the title. Simplii, a division of CIBC, connects you with CIBC mortgage specialists who will help you with your mortgage needs and assist you with your questions every step of the way.

Request a call
for a Simplii Financial mortgage. Opens a new window in your browser.

Personal Line of Credit
A Personal Line of Credit is a revolving source of funds, up to an approved amount, that you can access when you need them. Any amount you repay is accessible to you again without reapplying. A line of credit lets you write cheques and make ATM withdrawals, and you only pay interest on the funds you use. It’s the preferred choice over a credit card if you plan on carrying a balance for an extended period of time. Check out our Simplii Financial™ Cash Back Visa* card if you want available credit and intend to pay off your balance every month.

Apply now
for a personal line of credit. Opens in a dialog.

Secured Line of Credit
A Secured Line of Credit is a revolving source of funds, up to an approved amount, that you can access when you need them. Also referred to as a Home Equity Line of Credit, the funds in this account are secured against your property. A line of credit lets you write cheques and make ATM withdrawals, and you only pay interest on the funds you use. Simplii Financial, a division of CIBC, connects you with a CIBC specialist to explore secured lines of credit. A dedicated CIBC mortgage specialist will assist you, every step of the way. If you wish to have a Line of Credit that isn’t secured against your property, check out our Personal Line of Credit.

Request a call
for a secured line of credit. Opens in a dialog.

Personal Loan
A Personal Loan is a convenient way to borrow a lump-sum amount. You can have peace of mind repaying the loan with fixed monthly payments over a predetermined period, or prepay your loan at any time without penalty. Simplii offers competitive fixed interest rates and variable interest rates. If you want access to borrowed funds only when you need them, review a Personal Line of Credit. Unlike a Personal Loan, a line of credit lets you write cheques and make ATM withdrawals, and you only pay interest on the funds you use.

Apply now
for a personal loan. Opens in a dialog.

Creditor Insurance
Be protected when unexpected things happen

Apply now
for creditor insurance. Opens in a dialog.

Not a client yet?

Apply now
to join Simplii. Opens in a dialog.

RRSP Savings Account
An RRSP is meant to provide income after you retire. There is no minimum age requirement to open, as long as you've earned income and filed a tax return. Contributions are tax deductible but when you withdraw any funds, the amount is taxable unless, for example, you are eligible to use the funds as a first-time home buyer. Withdrawals are considered as income and may impact amounts you receive from income-tied government benefits or credits, whereas withdrawals from a Tax-Free Savings Account are not considered as income and do not impact amounts you receive from income-tied federal government benefits or credits.

Apply now
for an RRSP savings account. Opens in a dialog.

GICs
Start with as little as $100 and earn a guaranteed rate

Apply now
for a GIC. Opens in a dialog.

Tax-Free Savings Account
A Tax-Free Savings Account (TFSA) is designed to help you save money for a wide range of goals — not just retirement. Contributions are not tax deductible, but all the interest and income earned is tax free. Any money you withdraw is tax free too. You can access funds from your TFSA any time without penalty and recontribute up to your personal TFSA contribution room. You get competitive interest rates and there is no need to keep a minimum balance. Unlike a Registered Retirement Savings Plan, you don’t need to close your account when you reach a certain age. If saving for retirement is what you are looking to do, then an RRSP may also be appropriate for your needs.

Apply now
for a GIC. Opens in a dialog.

Mutual Funds
Save even more with a management fee discountⓘ

Apply now
for a mutual fund. Opens in a dialog.

Not a client yet?

Apply now
to join Simplii. Opens in a dialog.

Return to options

[H2] Services that suit your needs

[H3] Interac e-Transfer®
Send, request and receive money for free,