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Tiered interest rates
December 20, 2025
7:34 am
mordko
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Same thing. I’ll be moving cash to Simplii where we still have a decent promo rate till the end of January.

We’ve been playing the promo game by moving between HSBC, Tang and Simplii and had promos without gaps for something like 5 years. HSBC bailed out first. Would be a shame if this “offer” means that Tang is bailing out too. Not a big deal really but has been a nice tradition to get some pocket change from playing these promos.

January 23, 2026
3:15 pm
amidat
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Total Daily Balance Interest Rate*‌‌‌‌‌‌‌‌‌
$0-$49,999 2.00%
$50,000-$99,999 2.50%
$100,000-$499,999 2.75%
$500,000+ 3.00%

How it works:
Start earning on February 1, 2026
We’ll calculate your total balances across all your eligible Savings, Chequing, and Investment Accounts and apply your tiered rate automatically to your existing eligible registered and non-registered Savings Account(s) on a daily basis until July 31, 2026.

January 24, 2026
12:04 pm
bpwest
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amidat said
Total Daily Balance Interest Rate*‌‌‌‌‌‌‌‌‌
$0-$49,999 2.00%
$50,000-$99,999 2.50%
$100,000-$499,999 2.75%
$500,000+ 3.00%

How it works:
Start earning on February 1, 2026
We’ll calculate your total balances across all your eligible Savings, Chequing, and Investment Accounts and apply your tiered rate automatically to your existing eligible registered and non-registered Savings Account(s) on a daily basis until July 31, 2026.  

Received identical; I have an offer expiring Jan 31...anyone else receiving this tiered 6 month offer?

January 24, 2026
7:28 pm
COIN
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Once you hit $500,000, does the full balance earn the 3%? I've seen that with another bank.

January 25, 2026
3:48 am
amidat
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Yes.
Example: If as of close on February 1, 2026, the Eligible Client has a US$ Savings Account balance of $20,000, a Tangerine Savings Account balance of $20,000, a Tangerine Investment Fund Account with a book value of $20,000 and an RSP Investment Fund Account with a book value of $20,000, the Total Daily Balance on closing on that date will be $80,000, and a Tiered Savings Rate of 2.50% will apply to all of the Eligible Client’s Eligible Savings Accounts for that day.

January 25, 2026
6:02 am
Norman1
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The footnote in the offer e-mail also says the applicable rate will apply to the entire closing balance of the eligible savings accounts:

Total Daily Balance Interest Rate*‌‌‌‌‌‌‌‌‌
$0-$49,999 2.00%
$50,000-$99,999 2.50%
$100,000-$499,999 2.75%
$500,000+ 3.00%

* The Savings Tiered Rate Offer (the “Offer”) is only available to existing Tangerine Clients who have received this communication directly from Tangerine. Tiered Savings Rates are valid from February 1, 2026 to July 31, 2026 (“Promotion Period”) on daily closing balances in eligible Tangerine Savings Accounts, Tax-Free Savings Accounts, RSP Savings Accounts, RIF Savings Accounts, and US$ Savings Accounts (“Eligible Savings Accounts”). Subject to certain valuation rules as set out in the Offer Terms and Conditions, Tiered Savings Rates are determined based on the sum of the daily closing balances/book values of the following Tangerine Accounts where the Eligible Client is the Primary Account Holder (“Total Daily Balance”): …. During the Promotion Period the applicable Tiered Savings Rate will be applied to the entire closing balance in the Eligible Savings Accounts.

January 27, 2026
8:14 am
elephantinroom
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I noticed the Feb 1, 2026-July 31, 2026 targeted promotion in my Insights this morning though it's a bit better than what others have posted:

Earn a Savings rate based on your Total Daily Balance*
$0 to $49,999 | 2.75%
$50,000 to $99,999 | 3.00%
$100,000 to $499,999 | 3.15%
$500,000 and above | 3.25%

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