The CIBC (Canadian Imperial Bank of Commerce) offers a competitive international exchange rate in their banking services for over 20 countries. These exchange rates are subject to the fluctuation of the Canadian and international economies and can change at any moment. Their exchange rates are available upon request for US and Canadian citizens only. While their services are only available upon application acceptance, once this application process is complete, customers are able to receive real time updates on currency fluctuations. Consumers are able to choose from a range of currency products as well as receive wires and convert these transfers online to their account. They can also order wire transfers, send drafts, and transfer funds between accounts all from their desktop.