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January 2026 Lottery
January 8, 2026
5:50 am
JohnnyCash
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After being left high and dry since an extension expired at the end of March last year, I open the app to see 4.20% until March 31st. On another site, someone indicated they received an offer for 3.50%, another 3.9%. Might be worthwhile for those with accounts to login to see if they were bestowed a gracious offer.

January 8, 2026
7:34 am
mustang
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Thanks for posting, Johnny
After getting regular offers for a couple of years, I had nothing since May, and had pretty much given up on Tang for new promos, given their shift to graduated rates
However, to my pleasant surprise, I just logged in after reading your note, and I also have the 4.2% offer until March 31
While I actually have better deals going on CAD, right now, with Manulife and Meridian, this is a welcome home for USD-- a fully % point higher than I am currently getting on my TDB8152

January 8, 2026
7:55 am
COIN
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mustang said
Thanks for posting, Johnny
After getting regular offers for a couple of years, I had nothing since May, and had pretty much given up on Tang for new promos, given their shift to graduated rates
However, to my pleasant surprise, I just logged in after reading your note, and I also have the 4.2% offer until March 31
While I actually have better deals going on CAD, right now, with Manulife and Meridian, this is a welcome home for USD-- a fully % point higher than I am currently getting on my TDB8152  

If not confidential, what are you getting at Manulife and Meridian. Also, are you concerned about risk since neither is a Big 5 bank.

January 8, 2026
8:37 am
mustang
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Nothing confidential, open promos.
Manulife is 4.5%, Meridian is 4.7%
I'm not overly concerned with either-- but that's just me
Others may well have a different take

January 8, 2026
8:42 am
Slybanking
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JohnnyCash said
After being left high and dry since an extension expired at the end of March last year, I open the app to see 4.20% until March 31st. On another site, someone indicated they received an offer for 3.50%, another 3.9%. Might be worthwhile for those with accounts to login to see if they were bestowed a gracious offer.  

Thanks for the tip.
Just got the same offer but I had to log on to see it.
My Manulife offer is ending on Monday. Timing is everything!!

January 8, 2026
9:51 am
rk
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Nothing for me ... as expected, as I am on the mandatory Tiered interest rates.

January 8, 2026
10:57 am
rhvic
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No special rate for me.

I am currently on their graduated rates (not that I asked for it!). Are those of us on graduated rates ever going to get another promo offer? And if an offer does come in, does the existing balance get the graduated rate as before the offer, and only new funds get the promo rate? Complex indeed.

If anyone has been on the graduated rates, and has been given a promo recently, please let us know how that turned out.

January 8, 2026
1:05 pm
teacherbho
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I'm on my second 9 month 'tier' rewards plan. Basically you have to have a balance of over $100k to get 2.25 %. Pathetic.

January 8, 2026
1:13 pm
RetirEd
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I think it would be a Good Thing for everyone to tell Tangerine that graduated or tiered rates are unacceptable for us.

RetirEd

January 8, 2026
1:37 pm
Wrayzor
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Hopefully my 1 cent balance is telling them that!

January 8, 2026
2:11 pm
rk
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Wrayzor said
Hopefully my 1 cent balance is telling them that!  

Same here, I have a few accounts at Tangerine, but my total balance has been under $1 since they put me on the tiered rates.

January 8, 2026
3:58 pm
suburbs4life
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Got the 4.2% promo offer after a long dry spell since the summer. I'll take it. I don't have manulife or meridian accounts. My simplii offer ends this month and was pretty lacklustre

January 8, 2026
4:06 pm
cgouimet
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rk said
Nothing for me ... as expected, as I am on the mandatory Tiered interest rates.  

Looks like I'm in the same place so no $ @ TNG for me...

CGO
January 8, 2026
7:20 pm
fully-retired
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Nothing for me either.

January 8, 2026
7:45 pm
COIN
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suburbs4life said
Got the 4.2% promo offer after a long dry spell since the summer. I'll take it. I don't have manulife or meridian accounts. My simplii offer ends this month and was pretty lacklustre  

"Got the 4.2% promo offer after a long dry spell since the summer. I'll take it."

I also had a long dry spell until this offer. I accepted it only to show that I'm still here.

Does accepting this offer mean no more offers until the next century?

ATM question: Is it possible to deposit directly to my Tang Savings account at the ATM? Or, does one have to deposit to the chequing account first and then transfer the funds to Savings,

January 9, 2026
4:49 am
Alexandre
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teacherbho said
I'm on my second 9 month 'tier' rewards plan. Basically you have to have a balance of over $100k to get 2.25 %.

My tiered plan is 2.0% for a balance over $100K, for the period of 1 year starting 1.1.2026.
It is combined balance, meaning RRSP + TFSA + Savings, which could let client have $100K+ balance without exceeding CDIC coverage.

2.0% on Savings is not attractive proposition right now, but if BoC keeps reducing rates regardless of true inflation, trying to jolt economy, by end of 2026 having 2.0% on Savings could be an offer hard to refuse.

January 9, 2026
6:20 am
JohnnyCash
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COIN said
ATM question: Is it possible to deposit directly to my Tang Savings account at the ATM? Or, does one have to deposit to the chequing account first and then transfer the funds to Savings,  

Chequing first, unless things have changed. If it's cash, I don't think it would be an issue. A cheque on the other hand, likely a hold, better to use the app and do an e-Deposit.

January 9, 2026
4:27 pm
suburbs4life
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Just adding my wife got 4% with the same terms.

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