Canadian High Interest Savings Bank Accounts - Forum: Tangerine Bank

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

Sat, 11 Apr 2026 06:44:30 -0700

My offer to June 30 was 4.1%, first offer in maybe 9 months or so.

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

Sat, 11 Apr 2026 01:09:17 -0700

.
I haven't had an offer like that ⬆️ from Tangerine in almost a Year now.

Hence my total balance with them has been $1 & 37¢ for about that
same period of time.

Guess they don't like me no more.

Dean

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

Fri, 10 Apr 2026 23:38:39 -0700

I received an email from Tangerine yesterday offering 4.25% on all my registered and non-registered savings accounts, including my $US account, from April 7th to June 30th. My previous bonus offer ended on March 31st and I had transferred out all of my funds one week before that date.

AlainJF on Targeted 4.25% for new money: March 4 to May 31, 2026

Tue, 07 Apr 2026 02:34:02 -0700

cgouimet said

I'm stuck on Tiers through Sep 2026. My spouse was on 3.5% thru Feb 2026 then nothing until the 4.25% Apr to Jun surfaced in her insights today ...

Is this a new promo from Apr to Jun ?

cgouimet on Targeted 4.25% for new money: March 4 to May 31, 2026

Tue, 07 Apr 2026 01:42:14 -0700

Peter said
I missed the last promo round, but by some miracle I got a 4.25% offer today.

Here’s how it works:

1. We’ve totalled up the balances of your eligible Savings as they were on March 3, 2026 to get your total balances per Account Type.

2. From March 4, 2026 to May 31, 2026, you’ll earn your special interest rate on new deposits over your total balances calculated on March 3, 2026 (up to $1,000,000.00 per Account Type).

3. The rest of your Account balance will earn the current posted rate.

I'm stuck on Tiers through Sep 2026. My spouse was on 3.5% thru Feb 2026 then nothing until the 4.25% Apr to Jun surfaced in her insights today ...

smayer97 on You Be The Judge! :-(

Wed, 01 Apr 2026 05:06:07 -0700

Kidd said
Here's another case. The seller hands over the merchandise after they receive an e-transfer deposit, then the bank (RBC) reverses the deposit.

https://toronto.ctvnews.ca/ont.....080749

That article is now gone...

Peter on Tangerine 18Mo GIC

Sat, 28 Mar 2026 07:28:02 -0700

Updated; thanks!

Alexandra on Tangerine 18Mo GIC

Sat, 28 Mar 2026 04:40:04 -0700

Peter, Looks like Tangerine's 18Mo GIC has also increased as well and is now at 3.4%!

Norman1 on Tiered interest rates

Fri, 27 Mar 2026 09:57:17 -0700

RM485 said

There was no notice about it in my inbox on the Tang site, nor does it show up anywhere when I log in to my account.

Once the offer kicks in April 1, the tiered rates offer will show up in an Insight. The applicable Tiered Savings Rate, depending on one's total daily balance, will then be the "Current Interest Rate" under "Account Detalls" of the savings account.

The tiered rates offers don't seem to be done the same way as previous targeted Tangerine offers.

rk on Tiered interest rates

Fri, 27 Mar 2026 09:36:00 -0700

3.25% is significantly more than I received last year (2%) - for 100K ... but is it good enough? There are a few offers out there with a 4% handle.

RM485 on Tiered interest rates

Fri, 27 Mar 2026 08:02:27 -0700

FYI
Update re: tiered rates:

My current promo of 4.2% ends on Mar 31 and I just found an em from Tang sent Mar 20 with the following offer starting Apr 1 for 6 months:

Total Daily Balance Interest Rate*‌‌‌‌‌‌‌‌‌
$0-$49,999 2.75%
$50,000-$99,999 3.00%
$100,000-$499,999 3.25%
$500,000+ 3.50%

Seems to be same fine print as you all have been talking about and it applies automatically Apr 1 (no opt-in required).

There was no notice about it in my inbox on the Tang site, nor does it show up anywhere when I log in to my account.

hwyc on Tiered interest rates

Thu, 19 Mar 2026 23:08:41 -0700

These offers make more sense under "Wealth" only found on their app. I think the objective is to attract and reward clients who not only put money in their banking side

My two cents

RaySee on Targeted 4.25% for new money: March 4 to May 31, 2026

Sun, 15 Mar 2026 04:58:55 -0700

I've looked at the "Investment Bonus" details a few time trying to understand it. What it looks like to me is you get 2% total paid over 30 months, I.E. 2.5 years. So that's about 0.7% PA. Plus you'd have to leave your funds in the account for 2.5 years (30 months) to keep getting it paid out.
It's a bit of high school math trickery hoping people don't look to closely.
EQ bank on the other hand recently had an offer to get $200 after 6 months for putting $10k into a TFSA. That works out to and extra 4% PA, but $200 for $10k was the maximum, so the overall value was minimal.

Dean on New Offer Of 2.85% For Non-Registered 180 Day GIC

Sat, 14 Mar 2026 07:50:27 -0700

.
I just received this offer via email from Tangerine . . .

Hi Dean,
.
Higher interest rates can be good news for your savings – especially with the security of a great GIC!
.
For a limited time, you can earn 2.85%* when you open a 180 day non-registered GIC and fund it by April 2, 2026.

.
Not bad, for Tangerine !

Dean

Norman1 on Targeted 6-month offer: Tangerine Tiered Savings Rates

Wed, 11 Mar 2026 05:01:04 -0700

A reality of the business is that money lenders, like the banks, only need a certain amount of deposits to lend out. There is no benefit taking on more deposit liabilities than that.

It is quite easy to attract deposits once a lender can offer insured deposits. Just offer a leading rate on the deposits and the money will pour in.

Equitable Bank did that years ago through EQ Bank and they couldn't onboard new depositors fast enough! New EQ Bank clients were issued reservations on a list and had to wait weeks on the list before their staff could onboard them.

However, it is not as easy find borrowers for the deposited money who will likely repay what they borrow as agreed.