New Simplii Rate Promo till Jan 31, 2026 | Simplii Financial | Discussion forum

ertyu said
New savings rate promo is out, if you get an offer, variable rates as is common these days. Ending Jan 31, 2026.  

What's is the promo rate that came out?

victor6433 said

2.3% for me.  

Good to know, I have not received any offers.

Got better options, I declined it but it's still sitting there so it looks like I could still activate it later, which I won't. I wouldn't use it anyway.

Last time I accepted then they came out with a much better offer for those who weren't on a current offer, lesson learned.

My offer is:
"Claim this special rate and earn 3.20% interest† on eligible deposits with your High Interest Savings Account. Offer ends Jan. 31, 2026"

Received email today: "Hi Winnie, do you like earning more interest? Earn this rate on eligible deposits to your High Interest Savings Account. All you have to do is accept the offer and start saving!"

No rate mentioned anywhere.

After I pressed "Sign on & review offer":
"Claim this special rate and earn 2.30% interest† on eligible deposits with your High Interest Savings Account. Offer ends Jan. 31, 2026. "

Pressed "No thanks":
"Winnie, you don't want 2.30% interest†?
Don’t leave extra savings on the table. Offer ends Jan. 31, 2026."

Pressed "No thanks" again, but offer still there.

Winnie said
Received email today: "Hi Winnie, do you like earning more interest? Earn this rate on eligible deposits to your High Interest Savings Account. All you have to do is accept the offer and start saving!"

No rate mentioned anywhere.

After I pressed "Sign on & review offer":
"Claim this special rate and earn 2.30% interest† on eligible deposits with your High Interest Savings Account. Offer ends Jan. 31, 2026. "

Pressed "No thanks":
"Winnie, you don't want 2.30% interest†?
Don’t leave extra savings on the table. Offer ends Jan. 31, 2026."

Pressed "No thanks" again, but offer still there.  

Got this same offer. Logged in and no such offer was available, just $50 for 'refer a friend". Not unusual for Simplii unfortunately.
4.5% at Tangerine is better anyways.

I declined the non-competitive 2.3% offer

I got the email making the offer with no percentage details. It said to click the link to review the offer. Once I clicked it to login it said I had no offers.

Two things here:

1. Why solicit me and then no offer - Not that I would have used that 2.3% rate I already have higher.

2. I immediately realized what I had done and changed my password. A bank should ask you to login and NEVER provide a clickable link. That hit me immediately afterwards.

The published link from my email was: https://clicks.simplii.com/f/a/4qNzKrcPHtrbPMlfTjUU4Q~~/AAQRxRA~/9K_ybQ2o1IRKcle_0iVZ1JcuxlUytcPNuuGaytvET_Ehtrl-ZsiGtzoL0K93dmLR16eM-HBpoLZBXDooAST4VNjRPYJm5NelJe-ZldRUheSKmkg2HbPhfSAWOd8CeCHWgqeFtbRNHPkwTJYNkDieewt3Cjl84I0UWg75g_xEgGDCfF1I-llRuhZicRnQ22AtU4DqzbhrfCHLFzOTO4ga2A~~

I checked the email html and headers and luckily it was all @simplii addresses and no spoofing but talk about a dangerous situation.

It's no different then the CRA sending you an email, they ask you to login, they never provide a clickable link. Years of telling people that and SIMPLII breaks those standards making it a dangerous situation to a lot of vulnerable folks.

I also agree with KamWest, that Simplii behavior is unacceptable.
It looks more, like some kind of lottery or joke.

1. The email with the offer with no percentage details.
2. The link to review the offer with 3 possible results:
- no offer
- 2.30%
- 3.20%

If I would receive "no offer", Simplii CSR supervisor would have some "pleasant" conversation with me and I will insist on compensation or I will close my Simplii High Interest Account again (yes, I did it before already).

Got a 3.5 % offer from October 8th 2025. I hate the games but did accept it as I did not receive any promos from Tang this month. Also higher than 2.5% at WS at present.