Simplii Financial

Simplii Financial is the no-fee direct banking brand of the Canadian Imperial Bank of Commerce (CIBC), one of Canada's Big Six Schedule I domestic banks. Launched November 1, 2017, Simplii succeeded CIBC's two-decade President's Choice Financial (PC Financial) co-venture with Loblaws, migrating roughly two million accounts to the new brand. Simplii is not a separately chartered bank; it operates as a division and trade name of CIBC under CIBC's Schedule I federal charter, offering no-fee daily chequing and savings, mortgages, personal loans, lines of credit, GICs, mutual funds, and USD accounts through online, mobile, and telephone channels only (no branches), with CDIC deposit insurance provided through CIBC. On open finance, Simplii exposes no first-party public developer API or developer portal; consumer financial-data access today is aggregator- and screen-scraping-based via Plaid, Finicity, and MX (CIBC signed a data-access agreement with MX), consistent with Canada's voluntary, pre-mandate posture while the federal Consumer-Driven Banking framework (Budget 2024 / FES 2024, overseen by the FCAC) is legislated but not yet operational.

Simplii Financial is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, Canada, Digital Bank, and Direct Banking.

Simplii Financial’s developer surface includes documentation, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

16.1/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Financial ServicesBankingCanadaDigital BankDirect BankingBig SixCIBCConsumer-Driven BankingData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 16.1/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 2.6 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/simplii-financial: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: simplii-financial
url: https://raw.githubusercontent.com/api-evangelist/simplii-financial/refs/heads/main/apis.yml
name: Simplii Financial
kind: company
description: Simplii Financial is the no-fee direct banking brand of the Canadian Imperial Bank of Commerce (CIBC), one of
  Canada's Big Six Schedule I domestic banks. Launched November 1, 2017, Simplii succeeded CIBC's two-decade President's Choice
  Financial (PC Financial) co-venture with Loblaws, migrating roughly two million accounts to the new brand. Simplii is not
  a separately chartered bank; it operates as a division and trade name of CIBC under CIBC's Schedule I federal charter, offering
  no-fee daily chequing and savings, mortgages, personal loans, lines of credit, GICs, mutual funds, and USD accounts through
  online, mobile, and telephone channels only (no branches), with CDIC deposit insurance provided through CIBC. On open finance,
  Simplii exposes no first-party public developer API or developer portal; consumer financial-data access today is aggregator-
  and screen-scraping-based via Plaid, Finicity, and MX (CIBC signed a data-access agreement with MX), consistent with Canada's
  voluntary, pre-mandate posture while the federal Consumer-Driven Banking framework (Budget 2024 / FES 2024, overseen by
  the FCAC) is legislated but not yet operational.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Digital Bank
- Direct Banking
- Big Six
- CIBC
- Consumer-Driven Banking
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/simplii-financial-domain-security.yml
- type: Website
  url: https://www.simplii.com/en/home.html
- type: Documentation
  url: https://www.simplii.com/en/legal.html
- type: TermsOfService
  url: https://www.simplii.com/en/legal.html
- type: PrivacyPolicy
  url: https://www.simplii.com/en/legal.html
- type: Support
  url: https://www.simplii.com/en/contact-us.html
- type: LinkedIn
  url: https://www.linkedin.com/company/simplii-financial
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com