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Email this9:07 pm
April 6, 2013
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bpwest said
I'm going to post here...Just received a 4.15% new money offer, snapshot April 2; offer April 3 - June 30
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Iminterested said
I received a similar offer but only 4%
Loonie said
Spouse got 3.75 Apr 3 - June 30.
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I received the 3¾% variant:
1. The Tangerine Bank (the “Bank”) Savings Interest Offer of 3.75% (the “Offer”) is available to existing Tangerine Clients who: (1) receive a communication about the Offer directly from the Bank, (2) “Activate” (as defined in Section 4 below) the Offer by April 30, 2025, and (3) receive a confirmation to their online Inbox that the Offer has been successfully activated (“Eligible Clients”).
2. The Offer is only available to Eligible Clients between April 3, 2025 and June 30, 2025 (the “Offer Period”).
3. The Offer is only applicable to Tangerine Savings Accounts (“Savings”), Tangerine Tax-Free Savings Accounts (“TFSA Savings”), Tangerine RSP Savings Accounts (“RSP Savings”), and Tangerine US$ Savings Accounts (“US$ Savings) (referred to collectively as “Applicable Accounts”) where the Eligible Client is the Primary Account Holder as described in Section 13 below. Multiple Applicable Accounts of the same type (for example, three separate TFSA Savings Accounts) are collectively defined as an “Applicable Account Type”. The Offer is not applicable to any other Accounts, including (but not limited to) Tangerine RIF Savings Accounts (“RIF Savings”), Tangerine Business Savings Accounts, Tangerine US$ Business Savings Accounts, or Tangerine Children’s Savings Accounts (“CSA”).
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5. “Promotional Interest” is the interest earned on Eligible Deposits made to Applicable Accounts each day during the Offer Period. “Eligible Deposits” for any day during the Offer Period is the excess of (i) the sum of end-of-day balances in all Applicable Accounts per Applicable Account Type (excluding Promotional Interest) over (ii) the sum of end-of-day balances in all Applicable Accounts per Applicable Account Type as at April 2, 2025, to a maximum of $1,000,000.00 (in the currency of the Applicable Account), subject to the exclusions in Section 10 below.
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9:44 pm
August 4, 2010
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I hadn't had a Tangerine offer in years, but got and accepted a 5.25% offer in October 2024 thru to Dec 31. It may have had something to do with buying a bunch of Tangerine GICs in fall 2023, I'm not sure.
Received a 3.85% offer for new money Jan 8-March 31, didn't activate.
Have now received the 4.15% offer for April 3-June 30. I'm at EQ for 4% right now, so it would be interesting to know if I'd be more likely to get future top offers from Tangerine if I were to ignore this one, or activate it. Unless EQ is planning to drop their bonus premium in the next little while, Tangerine's is of minimal benefit.
10:08 pm
April 6, 2013
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These Tangerine offers allow until April 30 to activate. So, one could revisit the question, say April 29, to see if EQ Bank lowers their 4% rate.
10:27 pm
August 4, 2010
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I'll never know how accepting will affect my ping pong balls in future Tangerine lotteries. There's another Bank of Canada rate setting meeting this month, and with the Visigoth of Pennsylvania Avenue doing his thing, they are more likely to drop it again, and EQ and others will lower their base rate, so I suspect I may accept it, since it is 50-50 that doing so may be in my favour in the future.
But even 40bps is only something like $10/10K for those 3 months, so it isn't earth-shattering. I recently put some cash in 2-year Oaken GICs, and more is locked in at TDDI for another month.
5:19 am
December 7, 2023
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Economists see Global Recession Odds at higher possibility if Tariffs sustained and trade war will not stop. Canada lost 33,000 jobs in March .
Then Bank of Canada will cut the rates aggressively. The Fed may do the same thing.
If I remember correctly, EQ bank's base rates were around 1 - 2% no matter that BOC cut or hiked rates, when BOC hiked the rate to 5%, EQ Bank's base rate was 2% and stayed there for a while.
6:58 am
April 27, 2017
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Multiple scenarios. Tariffs on US are inflationary. Breaking of North American supply chains is inflationary. Recession is deflationary. US tariffs in China, Vietnam, etc are deflationary as they will be sending their products to other markets. Can’t predict the future.
I would accept this offer from Tang and put some of your money in it while staying diversified.
8:06 am
January 12, 2019
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.
Sadly ... the Well is Still Dry here. 
We haven't received a Tang Special Offer, since way last year.
Guess they don't like our Moolah no more. 
- Dean
" Live Long, Healthy ... And Prosper! "
8:06 am
December 7, 2023
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Due to tariff uncertainty, can’t predict the future.
Almost all economists said: BOC will balance inflation and recession, BOC will try to save economy from recession, you will pay the price for inflation.
Bank of Canada expected to make deeper rate cuts amid stock rout, job losses
https://financialpost.com/news/economy/bank-of-canada-deeper-rate-cuts-stock-rout-job-losses
6:10 pm
September 11, 2013
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I always take my money out about 4 days before the end of a promo, for the first time in a long while I got no offer last time, got the 4% variant on this one.
9:28 am
September 6, 2022
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I got the 4% offer as well after not getting an extension at the end of January.
As this is a "new" offer rather than an extension, does money in the Spending/Chequing account get included in the "eligible Savings" total balance above which the rate applies?
They never really come out and tell you what that number is.
I've got $6.95 in my actual Savings Account at the moment, so if the Chequing balance is not included, that would be a score!
4:49 pm
November 19, 2022
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Received 4.15% until june 30th
5:09 am
November 8, 2018
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NorthernRaven said
it would be interesting to know if I'd be more likely to get future top offers from Tangerine if I were to ignore this one, or activate it.
In my personal experience of last and this year, if one has current offer from Tangerine they accepted, new offer will be lower (if it comes at all).
My current promo offer is 3.1%, expiring end of April. If my theory is right, I will either get no new offer, or one that is 3% or less.
10:32 am
February 20, 2013
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I've got $6.95 in my actual Savings Account at the moment, so if the Chequing balance is not included, that would be a score!
Chequing account balance is not typically included but read the Terms and Conditions.
10:41 pm
April 14, 2021
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Has anyone tried to deliberately schedule future transfers far ahead of a promotional offer termination so that Tang can see that the money will be leaving on the final date of the promo?
7:03 am
August 10, 2022
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I just logged into my Tangerine account and saw I received a 4.00% offer (balances as of April 2nd; offer from April 3rd to June 30th). This beats the 3.5% my wife had from Simplii (March 4th to June 30th) and the 1% bonus from Motive (on top of the current Savvy Savings account of 2.25% for a total of 3.25% as of today; minimum $10,000). I pulled out all my money in first week of March from Tangerine to put into the Simplii and Motive offers but will be putting it back in now.
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