Targeted 2.8% (Nov 6, 2025 and Jan 31, 2026) on new funds after Nov 4 | Simplii Financial | Discussion forum

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Targeted 2.8% (Nov 6, 2025 and Jan 31, 2026) on new funds after Nov 4
November 6, 2025
9:18 pm
Norman1
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Received this 2.8% new money offer:

The special annual interest rate of 2.80% is a combination of the regular annual interest rate set by Simplii Financial earned on your Eligible HISA’s daily closing balance (“Regular Interest”), plus a promotional annual interest rate (“Promotional Interest”) that is earned on your Eligible HISA’s Additional Balance (defined below) from the date of enrolment until the end of the Offer Period. Any change to the Regular Interest will result in a corresponding change to the Promotional Interest so that the overall special annual interest rate will remain 2.80% from the date of enrolment until the end of the Offer Period.

Interest on each Eligible HISA is calculated as follows:

  • Regular Interest is calculated daily at the current rate applicable to the Eligible HISA balance on each day’s full closing balance;
  • Promotional Interest is calculated daily on each day's closing balance that exceeds the closing balance as at November 4, 2025 (the “Additional Balance”) beginning on the enrolment date until the end of the Offer Period;
  • The maximum Additional Balance that is eligible for Promotional Interest is $1,000,000 per Eligible HISA.

November 7, 2025
1:33 am
JohnnyCash
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I accepted the offer even though I don't expect to use it. I'll do the same with Tangerine if they stop being stingy and at least make me an offer.

November 7, 2025
8:29 am
COIN
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JohnnyCash said
I accepted the offer even though I don't expect to use it. I'll do the same with Tangerine if they stop being stingy and at least make me an offer.  

As far as I know, I didn't get any offers from Simplii and Tang and frankly I don't care. Actually, I think I recently got an offer from one of the "dynamic duos" but the offer was too low so I moved on.

November 7, 2025
9:34 am
UkrainianDude
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This offer sucks along with BOC I want 5%

November 7, 2025
3:51 pm
everhopeful
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I got this one too. It's only .05% more than what EQ is giving me (with DD) so it's a hard pass.

November 7, 2025
4:47 pm
Pythagoras
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I only got 2.3%.

November 7, 2025
5:04 pm
Norman1
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Pythagoras said
I only got 2.3%.

That was what Simplii offered me last month and I declined.

Now, the tile for this month's 2.8% offer hints at the lower rate offered previously:

Earn 2.80%(†) on eligible deposits to your High Interest Savings Account

We got you a better rate! Terms apply.

November 7, 2025
6:53 pm
willpower
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I also received a 2.8% offer until January 31st 2026.

November 12, 2025
10:54 am
everhopeful
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I got another email about this offer this morning, with the email titled:
Fine. We’ll give you the good rate: 2.80%.
Seems like Simplii has an attitude now sf-smile

November 12, 2025
11:27 am
Bill
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September 11, 2013
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Same as others here, after turning down their 2.3% offer previously I got told now I drive a hard bargain and that 2.8% is their final offer.

I get the impression Simplii is now run not by serious banking-types but by what we used to call "airheads". Wonder if that's CIBC (or all banking?) in general now.

November 12, 2025
11:45 am
Dean
Valhalla Mountains, British Columbia
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willpower said

I also received a 2.8% offer until January 31st 2026.  

Meh❗sf-smile

I've been gettin' 2.8% @ my Oaken SA since March of this year.

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

November 12, 2025
2:22 pm
Rasher
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March 17, 2022
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Can this be posted to the Promotions Page?

Norman1 said
Received this 2.8% new money offer:

The special annual interest rate of 2.80% is a combination of the regular annual interest rate set by Simplii Financial earned on your Eligible HISA’s daily closing balance (“Regular Interest”), plus a promotional annual interest rate (“Promotional Interest”) that is earned on your Eligible HISA’s Additional Balance (defined below) from the date of enrolment until the end of the Offer Period. Any change to the Regular Interest will result in a corresponding change to the Promotional Interest so that the overall special annual interest rate will remain 2.80% from the date of enrolment until the end of the Offer Period.

Interest on each Eligible HISA is calculated as follows:

  • Regular Interest is calculated daily at the current rate applicable to the Eligible HISA balance on each day’s full closing balance;
  • Promotional Interest is calculated daily on each day's closing balance that exceeds the closing balance as at November 4, 2025 (the “Additional Balance”) beginning on the enrolment date until the end of the Offer Period;
  • The maximum Additional Balance that is eligible for Promotional Interest is $1,000,000 per Eligible HISA.

  

November 12, 2025
2:31 pm
Peter
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Rasher said
Can this be posted to the Promotions Page?

  

Added! https://www.highinterestsavings.ca/promotions/

November 13, 2025
8:23 am
lifeonanisland
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Received yesterday.

"Things are looking up for you and your rate. Earn 3.40% interest† on eligible deposits with your High Interest Savings Account

Hi there,

Your special rate just got an upgrade. Now you can earn 3.40% interest† with your High Interest Savings Account until January 31, 2026. All you have to do is say yes! No hoops to jump through, no minimum balance. Just get the rate and start saving.

Only on eligible deposits up to $500,000. Terms apply."

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