Unfortunately, the experience was extremely frustrating.

My wife spoke with the first representative, who had difficulty communicating in English. Since English is not my wife's first language either, this immediately created a double communication barrier. My wife is 71 years old and has limited patience for lengthy telephone interrogations, so the conversation did not go well.

After approximately 15 minutes of unproductive conversation, she was transferred to another representative, and the entire process started all over again. Things finally fell apart when she was asked for the fifth time to confirm her age, despite having already provided her date of birth to the representatives several times.

At that point, I lost my patience, took the phone, thanked the representative for her time, and ended the conversation.

I find your procedures unnecessarily complicated, inconvenient, and particularly unfriendly to older customers. I have been banking with Tangerine for years, yet a seemingly straightforward request to add my wife to a joint account has turned into an unnecessarily stressful ordeal.

My wife is now so frustrated that she is determined to withdraw our money from Tangerine and take her business elsewhere.

I have to ask: Why can't my wife simply log in to her own Tangerine account and confirm her consent to become a joint account holder? Given that Tangerine operates without physical branches and relies entirely on online and telephone banking, I would expect a more straightforward and customer-friendly process.

I understand that identity verification and security are important. However, these requirements should not result in customers being subjected to repetitive questioning and unnecessary frustration.

What can Tangerine do to resolve this situation and make the process easier for my wife? I would appreciate a practical solution that allows us to complete this request without having to repeat the same frustrating experience.

Dean said
.
Great News❗

My 4.25% SA special interest rate offer @ Tang (expiring Oct. 31), just got Extended to Jan. 31, '27.

Anyone else❓
Dean  

I've read elsewhere clients are being given extensions, it's a sign they need and want the deposits to stay. This is a consequence of the volatility in global bond markets. Tangerine is getting a good deal at 4.25% compared to their alternatives.

My 4.25% SA special interest rate offer @ Tang (expiring Oct. 31), just got Extended to Jan. 31, '27.

Anyone else❓

Dean

CGO said

Sounds like my wife's combo of offers.

If you go to one of the HISA's covered by both, select "Account Details". You should see the Tiered Rate your total qualified deposits you're at (3% if => $100k) and that you also are getting 4.25% on new deposits until Nov 30.  

While my wife was on the tier, she had $60k qualified and thus getting 2.5%. When the new $ @4.25% landed, she added $40k. Now at $100k+, she gets 3% on the old $60k and 4.25% on the new $40k. I did the math on the Oct $ and confirmed it materialized as such.

Then I got 4.75% thru Dec 31. So, moved all $ from her account to mine.

Bill said
Thanks, CGO, you're right.

And if I click on More Info it says "Bring your money where it can make money. From August 26, 2026 to November 30, 2026, your eligible new deposits are earning 4.25%* interest.* Here’s what you need to know: This rate only applies to new deposits to your eligible savings account(s), on up to $1,000,000.00 per eligible account type.* Existing balances in your eligible savings accounts, before August 26, 2026, will keep earning your applicable Tiered Savings Rate for maximum momentum."

Seems to be at odds with what legal stuff fine print said, best not to read the fine print I guess.  

I read your first post as tired rates came first. Condition was prior offer if any to be completed before the tier took effect. Then later came 4.25% on top of the tier with no ned to complete the tier offer first.

And if I click on More Info it says "Bring your money where it can make money. From August 26, 2026 to November 30, 2026, your eligible new deposits are earning 4.25%* interest.* Here’s what you need to know: This rate only applies to new deposits to your eligible savings account(s), on up to $1,000,000.00 per eligible account type.* Existing balances in your eligible savings accounts, before August 26, 2026, will keep earning your applicable Tiered Savings Rate for maximum momentum."

Seems to be at odds with what legal stuff fine print said, best not to read the fine print I guess.

Bill said
I'm on Tangerine tiered rates until Dec 31. Say I have $100K there.

A while ago I got another offer giving me 4.25% until Nov 30 on additional deposits after a certain date. Say I deposited another $100K after that date.

So I assumed I was getting the tiered rates on first $100K and then 4.25% on the second $100K.

I just noticed the tiered rate conditions state "If you’re on another savings promo right now, Tangerine Tiered Savings Rates won’t kick in until that one ends."

Does that mean the tiered rates no longer apply to the first $100K, i.e. I'm now only getting Tangerine's regular .3% rate on that $100K? Anybody know?  

Sounds like my wife's combo of offers.

If you go to one of the HISA's covered by both, select "Account Details". You should see the Tiered Rate your total qualified deposits you're at (3% if => $100k) and that you also are getting 4.25% on new deposits until Nov 30.

A while ago I got another offer giving me 4.25% until Nov 30 on additional deposits after a certain date. Say I deposited another $100K after that date.

So I assumed I was getting the tiered rates on first $100K and then 4.25% on the second $100K.

I just noticed the tiered rate conditions state "If you’re on another savings promo right now, Tangerine Tiered Savings Rates won’t kick in until that one ends."

Does that mean the tiered rates no longer apply to the first $100K, i.e. I'm now only getting Tangerine's regular .3% rate on that $100K? Anybody know?

anitavirginia said
Help, only for this topic does this happen.
when I go back to the list of unread topics after i have read this one, it still shows that this topic is unread.
Does anyone know how I can fix this.
Thanks.  

At the top right of the page, click the icon circled in the attached screenshot. It will mark all threads as being read and you’ll start fresh. I had this happen recently and discovered its purpose. I use it all the time now when I have read all the threads that interest me and don’t care about the others.

fully-retired said
Received this 4.75% promo yesterday. Had just finished nice Tang promo Sept/30. Cleaned it out to Oaken for 2.8%. Will bring it back Mon. Have 3 nice GICs coming due in 2 weeks from Hubert. Will bring them over to Tang till Dec 31 then get 3 GICs from Scrivens broker. I must have gotten lucky, only 9 days between promos.  

It's not so much luck as it's a sign they need deposits, good for us though. I have another FI that just did something similar and it was only 5 days in between, very unusual for them, if not unheard of. Even at 4.75% it's still probably cheaper than their alternatives at the moment for short term cash.