Canadian High Interest Savings Bank Accounts - Forum: Tangerine Bank

RYAN on Targeted 5-tiers (2%-3.50%) 6-months (Nov 1 - Apr 30, 2027)

Thu, 29 Oct 2026 23:37:16 -0700

My current tiered rate 3.25% will end tomorrow. I will move out all available money out tomorrow since I have not got the captioned offer yet.

hwyc on Targeted 5-tiers (2%-3.50%) 6-months (Nov 1 - Apr 30, 2027)

Thu, 29 Oct 2026 22:54:50 -0700

This is my consecutive tiers offer back to back. Only the top-tier rate remained unchange. The other tiers actually rate dropped, making it a lot less attractive to me under the rate hiking sentiment

hwyc on Targeted 5-tiers (2%-3.50%) 6-months (Nov 1 - Apr 30, 2027)

Thu, 29 Oct 2026 22:16:04 -0700

A new savings rate is on the way.

With Tangerine Tiered Savings Rates, your eligible savings account(s) could earn a higher rate based on the total balances across your eligible accounts. * Launching November 1, 2026

Your tiered rates effective November 1, 2026 *.

$0 to $49,999 | 2.00%
$50,000 to $99,999 | 2.50%
$100,000 to $249,999 | 3.00%
$250,000 to $499,999 | 3.25%
$500,000 and above | 3.50%

With tiered rates, your interest rate is based on your Total Daily Balance. You’ll earn the applicable tiered rate on your eligible savings account(s) from November 1, 2026 until April 30, 2027. * Add funds to your eligible account(s) to unlock the next tier’s rate *.

NokomisStation on Why Tangerine is so slow?

Wed, 28 Oct 2026 06:18:31 -0700

picassocat said
Recently I transferred $700 via Interac e-transfer and the money was there instantly (I was surprised). Wonder if the wait time would be 30 minutes for 3000$. Anyone?

Yes, I sent $3,000 from Tangerine to RBC yesterday via Interac, initiated on Tangerine's website. 30 minute delay from when initiated to when I received email notification (I was the recipient as well). WS is almost instananeous for the maximum Interac transfer amount of $25,000, as is RBC for it's $10,000 limit through it's mobile app.

picassocat on Tangerine: Extremely Pathetic Customer Service

Wed, 28 Oct 2026 06:14:26 -0700

I've been with them for many years, and every (I mean every time) I phone I always get something like: «we are experiencing many calls, wait time can be increased»

Instead, it should say: «we don't care much for customer service; wait time is increased because we do not have the personnel to answer your needs promptly.»

picassocat on Why Tangerine is so slow?

Wed, 28 Oct 2026 06:08:31 -0700

Recently I transferred $700 via Interac e-transfer and the money was there instantly (I was surprised). Wonder if the wait time would be 30 minutes for 3000$. Anyone?

RetirEd on Joint accounts at Tangerine Bank

Sun, 25 Oct 2026 07:02:38 -0700

I've had near double-CDIC with Oaken for over five years. Sparse staff, and one has to make an appointment to find anyone in the office, but their phone centre's not bad. My chief complaint is that they won't provide free mailed statements and I need to visit the office downtown to get any printed documents. That's why I don't use their good saving account rates, just their GICs.

Joebart on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 08:23:15 -0700

Update:
I received a phone call from someone higher up in Tangerine’s customer service department after my general complaint failed to get anywhere. She was nice, professional, and validated my concerns within 15 seconds. She will call my wife on Monday (after wife has had a chance to cool off :-)) and try to resolve the problem.
I’ll keep you updated.

P.S. The indirect explanation seemed to be that they are a small player and cannot really afford better software integration, so they have to rely on old-fashioned telephone calls instead. Interesting…

Alexandre on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 06:35:10 -0700

Nehpets said
If moving, from my experience, I would choose Oaken that pays 2.80% on HISA, no maximum for incoming or outgoing EFT, full online management, joint account and joint GIC's, and two times CDIC coverage by selecting to deposit at Home Trust or Home Bank.

It is important to mention that Oaken does not offer bill payments, Interac transfers, debit card, cheques. If moving from Tangerine to Oaken it'll make sense to keep Tangerine for these activities and use Oaken for Savings/GIC storage. When it is time to pay bills, do EFT from Oaken to Tangerine and when funds arrive to Tangerine account pay bills from it.

That's what I do, actually. Tangerine used to be my main FI, but now I only use my Tangerine account to hold small amounts of money I transfer to it from Oaken and from other FIs, to pay monthly bills.

CGO on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 04:59:00 -0700

Nehpets said

Alexandre said

she is determined to withdraw our money from Tangerine and take her business elsewhere

If moving funds from Tangerine is still in consideration, I would recommend EQ Bank for joint accounts, based on my experience.....

I dropped Tangerine years ago due to inferior customer service experience as alluded to.

If moving, from my experience, I would choose Oaken that pays 2.80% on HISA, no maximum for incoming or outgoing EFT, full online management, joint account and joint GIC's, and two times CDIC coverage by selecting to deposit at Home Trust or Home Bank.

When considering all factors, Oaken seems hard to beat.

Stephen

Generally near best GIC rates and 2x CDIC cover.

Nehpets on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 04:14:11 -0700

Alexandre said

she is determined to withdraw our money from Tangerine and take her business elsewhere

If moving funds from Tangerine is still in consideration, I would recommend EQ Bank for joint accounts, based on my experience.....

I dropped Tangerine years ago due to inferior customer service experience as alluded to.

If moving, from my experience, I would choose Oaken that pays 2.80% on HISA, no maximum for incoming or outgoing EFT, full online management, joint account and joint GIC's, and two times CDIC coverage by selecting to deposit at Home Trust or Home Bank.

When considering all factors, Oaken seems hard to beat.

Stephen

Norman1 on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 01:39:13 -0700

Don't go to EQ Bank if one needs joint GIC's.

EQ Bank still does not offer joint GIC's:

EQ Virtual Assistant: I can’t confirm whether the GIC Agreement specifically explains this. EQ Bank doesn’t offer Joint GICs; a GIC purchased from a joint account is held in the name of the person who makes the purchase, and the T5 for the interest is issued in that person’s name. You can review the GIC Agreement.

Bill on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 01:29:19 -0700

I don't know about Tangerine but I've found it's generally easier to just open a new joint account instead of converting an existing individual account to a joint one. Maybe just my experience.

Alexandre on Joint accounts at Tangerine Bank

Thu, 22 Oct 2026 00:49:37 -0700

she is determined to withdraw our money from Tangerine and take her business elsewhere

If moving funds from Tangerine is still in consideration, I would recommend EQ Bank for joint accounts, based on my experience. I set my joint HISA accounts at EQ, because I didn't want to phone Tangerine for what should be done online, and seamlessly.

Another option worth to consider is Haventree, in addition to joint accounts for Savings they offer joint GICs. Haventree bank seems to be very joint accounts oriented.

CGO on Joint accounts at Tangerine Bank

Wed, 21 Oct 2026 19:06:19 -0700

My spouse is very hard of hearing and cannot read phone lips. So, I always act as interpreter on "sensitive" telephone conversations. As long as she speaks the response most, including TNG CSR's, don't mind ...