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.

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...

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. …

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.

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 ...

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.

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?

hwyc said
Tier rates apply to eligible savings account from MA01 until OC31, 2026

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

We’ll calculate your total balances across all your eligible savings, chequing, and *investment accounts ACB* and apply your tiered rate to your existing eligible registered and non-registered savings account(s) on a daily basis, and paid monthly

Finally my 1st time … lucky me!  

I got the same promo. I have 100k+ with Tangerine. So 2.75%, 3.00% and 3.25% apply to my account. How does Tangerine match different accounts with three different rates?

cgouimet said

By far the best tiered rates I've seen. Mine are ...

0.35% $0-$49,999
0.75% $50,000-$99,999
1.75% $100,000-$499,999
2.25% $500,000+  

And that's from 2025/12/10 to 2026/09/30!

Fortunately, my spouse got 4.25% 2026/04/01-06/30.

cgouimet said

By far the best tiered rates I've seen. Mine are ...

0.35% $0-$49,999
0.75% $50,000-$99,999
1.75% $100,000-$499,999
2.25% $500,000+  

same here, and mine does not roll off until end of May too. I have been rotating around the big6 as a "new customer" to look for a parking spot 3 months at a time...