Canadian High Interest Savings Bank Accounts - Forum: Tangerine Bank

cgouimet on Targeted Tiered Rates MA01-OC31

Mon, 20 Apr 2026 02:42:24 -0700

savemoresaveoften said

Once an offer is given to you and accepted by you, it's stuck in the account until the end date. They can't remove even if you change your mind for any reason.

I know that to be true for the 3-4 moth fixed rate promos but I wasn't sure if the same applied to the much more recent non-refusable tiered promos ...

cgouimet on Targeted Tiered Rates MA01-OC31

Sun, 19 Apr 2026 18:01:14 -0700

JohnnyCash said

The one above. I thought it would be obvious, obviously not.

It too frequently isn't ...

RetirEd on Targeted Tiered Rates MA01-OC31

Sun, 19 Apr 2026 04:15:57 -0700

I don't bother block-quoting or naming the author of a previous post if it's immediately before mine, though I know there's always the chance someone else's will intervene. Does that confuse anyone?

savemoresaveoften on Targeted Tiered Rates MA01-OC31

Sun, 19 Apr 2026 03:42:40 -0700

cgouimet said
Is there any history of TNG replacing/upgrading a Tiered Rate schedule?

Say someone is on a Tiered Rate of 0.35/0.75/1.75/2.25% from 2025/12/10 to 2026/09/30.

Is there a precedent for TNG to upgrade this mid term to a better Tier like the 2.75/3.00/3.25/3.50% just introduced?

Or is this wishful thinking?

Once an offer is given to you and accepted by you, it's stuck in the account until the end date. They can't remove even if you change your mind for any reason.

JohnnyCash on Targeted Tiered Rates MA01-OC31

Sat, 18 Apr 2026 09:56:09 -0700

cgouimet said

If you were to use "Quote" instead of "Reply" we might actually know what that arrow and response is actually pointing to...

The one above. I thought it would be obvious, obviously not.

cgouimet on Targeted Tiered Rates MA01-OC31

Sat, 18 Apr 2026 09:08:28 -0700

JohnnyCash said
Thanks ⬆️ I was foolishly trying to unravel the mystery of what triggers someone being awarded such an " exclusive " offer that there would be no need for an option to decline, or opt-out.

If you were to use "Quote" instead of "Reply" we might actually know what that arrow and response is actually pointing to...

JohnnyCash on Targeted Tiered Rates MA01-OC31

Sat, 18 Apr 2026 09:01:33 -0700

Thanks ⬆️ I was foolishly trying to unravel the mystery of what triggers someone being awarded such an " exclusive " offer that there would be no need for an option to decline, or opt-out.

Norman1 on Targeted Tiered Rates MA01-OC31

Sat, 18 Apr 2026 08:39:41 -0700

Tangerine sent me an e-mail "Exclusive 6-month offer: Tangerine Tiered Savings Rates" the previous month. The tiered rates took effect the beginning of the next calendar month. No option to accept or decline the offer:

With our Tangerine Tiered Savings Rates*, we use your total balances across your eligible Savings, Chequing, and Investment Accounts to give you better rates on your eligible Savings for 6 months, starting February 1, 2026. …

JohnnyCash on Targeted Tiered Rates MA01-OC31

Sat, 18 Apr 2026 05:04:03 -0700

For those on a ' Tiered Rate ', do you recall when it was applied to your account. Curious if Tangerine applies the change effective at the beginning of a given month and sends an email notification, or something like that?

RYAN on Targeted Tiered Rates MA01-OC31

Sat, 18 Apr 2026 03:14:54 -0700

@hwyc Thank you for your reply. It was my misunderstanding.

suburbs4life on Targeted 4.25% for new money: April 7 to June 30, 2026

Fri, 17 Apr 2026 12:33:42 -0700

Got the same 4.25% offer. Glad i had moved the money prior to the end of month. Here's hoping the promos keep coming.

hwyc on Targeted Tiered Rates MA01-OC31

Fri, 17 Apr 2026 02:56:35 -0700

@RYAN By your question I think you understand the tier rates incorrectly.

I understand it is one *total* balance at end of day to determine the tier rate for that day. And that rate is used to calculate one day's interest on the balance of each eligible savings account.

cgouimet on Targeted Tiered Rates MA01-OC31

Fri, 17 Apr 2026 01:30:17 -0700

JohnnyCash said

Can't speak to precedent, maybe not giving them any of your money until they up their rate schedule would likely help. Depositing funds at the lower rates essentially tells them you're okay with them. Maybe they're playing the same game as Simplii and low-ball initially to see if they get any bites-deposits.

I had reduced my deposits to $1/account at TNG a few days prior to the end of my last real promo of 3.9% on 2025/11/30. So, basically empty for 4 months ...

JohnnyCash on Targeted Tiered Rates MA01-OC31

Fri, 17 Apr 2026 01:18:10 -0700

cgouimet said
Is there any history of TNG replacing/upgrading a Tiered Rate schedule?

Say someone is on a Tiered Rate of 0.35/0.75/1.75/2.25% from 2025/12/10 to 2026/09/30.

Is there a precedent for TNG to upgrade this mid term to a better Tier like the 2.75/3.00/3.25/3.50% just introduced?

Or is this wishful thinking?

Can't speak to precedent, maybe not giving them any of your money until they up their rate schedule would likely help. Depositing funds at the lower rates essentially tells them you're okay with them. Maybe they're playing the same game as Simplii and low-ball initially to see if they get any bites-deposits.

cgouimet on Targeted Tiered Rates MA01-OC31

Fri, 17 Apr 2026 00:22:18 -0700

Is there any history of TNG replacing/upgrading a Tiered Rate schedule?

Say someone is on a Tiered Rate of 0.35/0.75/1.75/2.25% from 2025/12/10 to 2026/09/30.

Is there a precedent for TNG to upgrade this mid term to a better Tier like the 2.75/3.00/3.25/3.50% just introduced?

Or is this wishful thinking?