^† The Simplii Financial promotional savings interest rate offer (the “Offer”) is available between August 6, 2026 and September 30, 2026 at 11:59 pm UTC (the “Offer Period”), by invitation only, to primary account holders of an existing Simplii Financial High Interest Savings Account (an “Eligible HISA”) who meet all of the applicable terms and conditions below.

How to enrol in the Offer

If a client wishes to participate in the Offer, the primary account holder must enrol during the Offer Period by accepting the offer through digital banking. Following enrolment, you will receive an email confirming the Eligible HISAs that are enrolled in the Offer. For clarity, any new HISAs opened during the Offer Period by invited clients are ineligible for this Offer. If you hold multiple HISAs, Simplii Financial has sole discretion to determine which accounts are eligible for the Offer. Only the accounts identified in the enrolment email will be eligible for the Offer.

You should make sure you are contributing to an Eligible HISA that is enrolled in the Offer based on the account identified in the enrolment confirmation email. Deposits made to an account that is not enrolled will not be eligible for the Offer.

The Offer

The special annual interest rate of 3.00% 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 3.00% 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 August 3, 2026 (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

Regular Interest and Promotional Interest are paid monthly. For clarity, Promotional Interest will be paid within the first two business days following the month in which it was calculated. Promotional Interest will only be paid if the enrolled Eligible HISA is active and in good standing at the time of payment.

PLEASE NOTE: Promotional Interest and Regular Interest are subject to change at any time without notice; for current regular rates, visit our rates page. After the Offer Period, Eligible HISAs will continue to earn Regular Interest.

Additional terms, conditions and limitations apply to the opening of and making deposits into Eligible HISAs. Individuals must meet the criteria set by Simplii Financial to open or hold an Eligible HISA in order to qualify for the Offer. Details are available upon request. The Promotional Interest cannot be substituted or transferred to a third party.

The Offer is non-transferable and cannot be combined with other promotional rate offers. The Offer may be withdrawn, cancelled or changed without notice, at any time, for any reason. The Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by Simplii Financial, in its sole discretion. The terms and conditions of the Simplii Financial Products and Services Agreement continue to apply to all Eligible HISAs.

JohnnyCash said
I have been declining the 2.5% offer each time I had logged in over the past month or two to no avail, it just seemed to think it was too irresistible for me to refuse. Well, it seems today there was a popup in the app for 3% until the end of September. Perhaps being a little stubborn is not necessarily a bad trait. Too little too late, maybe it's of some use to someone else if they want to check to see if they have the offer.

This deserves its own thread.

I received the offer when I signed into Simplii online banking:

 ★ New and improved rate  

Sleep well when you save well

From now until September 30, 2026, earn 3.00% interest^† with your High Interest Savings Account. Only on eligible deposits up to $1,000,000. Terms apply.

This rate won’t last forever. Get it before it’s gone!

JohnnyCash said

Better. Still could be more though. Did you turn down a previous lower offer?  

Nope. It's the first offer I got from Simplii since the term of the previous one expired at the end of April.

mordko said
3.25% from Simplii.  

Better. Still could be more though. Did you turn down a previous lower offer?

JohnnyCash said

No, they think their clients are naive and gullible. It's like they're throwing table scraps to stray dogs to see if they'll happily accept and wag their tails. Failing that, they'll maybe add some gravy to the mix, ie, up the rate a smidgen and try again.  

"They" don't seem to know that asute investors like us share information among ourselves.

Reminds me of the Gordie Howe story. When Bobby Baun joined the Red Wings,

Bobby: Hey Gordie, how much are the Red Wings paying you?
Gordie: Don't tell anybody but I'm the highest paid player on the team.
Bobby: Oh, so you're making over $100,000 a year.

" Gordie Howe discovered that teammate Bobby Baun was making over $100,000 per season, while Howe was paid only $45,000 per season. After getting this information, Howe confronted management and demanded that he received the appropriate compensation. Howe was always under the impression that he was the highest paid player on the team. 1969"
https://x.com/Jimfrombaseball/.....1774333990

COIN said
Simplii must be getting desparate. Just got the following.

"Sign up now and earn 2.50% interest† until September 30, 2026 with your High Interest Savings Account. Only on eligible deposits up to $1,000,000. Terms apply."  

No, they think their clients are naive and gullible. It's like they're throwing table scraps to stray dogs to see if they'll happily accept and wag their tails. Failing that, they'll maybe add some gravy to the mix, ie, up the rate a smidgen and try again.

"Sign up now and earn 2.50% interest† until September 30, 2026 with your High Interest Savings Account. Only on eligible deposits up to $1,000,000. Terms apply."

SuperSaver said
I declined their 2.5% piddly offer as I am currently getting 4.25% at Tangerine until August 31st. By declining the offer as others have done, I am hoping that Simplii will come back with an improved offer of at least 3.0% expiring September 30th or later.  

"I declined their 2.5% piddly offer"
Wonder if anyone accepted their 2.5% offer? If Simplii get no takers maybe they'll get the message.

JohnnyCash said

No, it seems you are a special case. At one time in years past Simplii would target clients with another promo offer a few days into the following month after their previous promo ended. Of course they would backdate it to the 1st of the month, even though you only got the email days later. The eligible funds would have been as described in your post. Bottom line - better luck next time.  

rk said
I understand that generally speaking one can get an offer even if they have only a few cents in their account. That was not my point, though. Has anyone else received an offer for 3.40% or more in the last few days? In this thread people are talking about 2.5%, 2.75% ... arguably that is significantly less than my offer.
Maybe I have received a higher offer because I had a significant amount in my account on June 1st.  

No, it seems you are a special case. At one time in years past Simplii would target clients with another promo offer a few days into the following month after their previous promo ended. Of course they would backdate it to the 1st of the month, even though you only got the email days later. The eligible funds would have been as described in your post. Bottom line - better luck next time.