Tiered interest rates | Page 3 | Tangerine Bank | Discussion forum

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.

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?

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.

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%

rhvic said
I just got off the phone with a CSR who tells me that if one is already on a certain level of tiered rates, they are unable to change those rates, even when I threaten to move my money out. So I am stuck at the 2.25% level for a balance of 100K-500K, and unable to get the 3.15% others have been offered. My arguments included that I never asked to be on tiered rates, and that I can get 4.7% currently at Meridian. The CSR would not budge.

yogibo50, were you already on the tiered rates when you called in?  

That's what he said and confirms what I thought was a "death sentence" (overly dramatic) for anyone used to TNG's promo lottery. My spouse's promo ends Feb 28 and I'm expecting she'll be getting tiered. So, all our TNG funds will be relocating in the last week of Feb.

I had a 3.45% promo rate offer which expired Jan 31st. For various reasons I had >$100K in TNG towards the end of that offer but was planning to move it elsewhere after expiry. To my surprise I saw in these first few days in early Feb a "Current Rate" of 3.15% on my Savings Accounts. ( Actually wondered if that was somehow a mistake : promo rate 3.45% minus regular Savings Account rate 0.3% = 3.15% ??? (:^)).

After ~ 1 hour on the phone with a TNG CSR, and a couple of episodes of him going off to check with someone else, he explained about TNG introducing tiered rates, and said that
- there was no "opt-in" required : the 3.15% was applied to my account automatically when the previous promo expired - out of the goodness of their hearts I guess !
- and that this 3.15% rate would apply for a fixed time until Jul 31st, regardless of the account balances

The CSR asked why I was questioning it : did I want to get a lower rate ??? Eventually he understood that I was asking the question because I had no other information.
Although he claimed that TNG had sent me an email about introducing tiered rates, I have not received such an email, nor is there a message in my TNG-login Inbox.

The CSR said there was no way they could resend the original email and there was no other documentation they could send me about how tiered rates would be implemented. So I'm very happy to have found this thread and picked a few more clues which may (or may not I guess) apply to me individually.

Thanks norman1 : I have searched my email fairly thoroughly and am convinced that I received no such message. I do wonder if the missing message could be due to the GMail outage over that weekend.
From https://www.google.com/appssta.....6annsfytjQ
"Incident began at 2026-01-24 13:02 and ended at 2026-01-24 17:55 (UTC)."
It was described as a spam-filtering failure, but I suppose it's possible that some genuine messages went astray as well as bogus spams getting through.

Re rate : I guess my rates and duration match up with what elephantinroom reported in #47. (BTW : there is no mention of the tiered interest rate offer in my Insights, unlike elephantinroom's case.)

My remaining query is : in the emails or Insights that other folks have received, is there any indication what happens after the tiered-rate period expires ? (Jul 31 in my case.)
TIA.

cgouimet said
I was assigned tiered rates when my last promo expired. I wasn't interested and moved the $ elsewhere except $1. That TNG HISA still has $1 and under account details shows the rate of 0.35% but no indication that I'm on a tiered ladder and no indication of what that ladder looks like. How do I get that info?

In the e-mail or in an insight under My Insights.

pcs said
Thanks norman1 : I have searched my email fairly thoroughly and am convinced that I received no such message. I do wonder if the missing message could be due to the GMail outage over that weekend.
From "Incident began at 2026-01-24 13:02 and ended at 2026-01-24 17:55 (UTC)." …

The explanation indicates that messages could be delayed by up to 10 minutes or be stamped as not scanned. No loss of messages.

Re rate : I guess my rates and duration match up with what elephantinroom reported in #47. (BTW : there is no mention of the tiered interest rate offer in my Insights, unlike elephantinroom's case.)

elephantinroom's offer is 3.15% only for $100,000 to $499,999 and not for any balance:

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%

You may be on a different offer that's 3.15% for any balance.

My remaining query is : in the emails or Insights that other folks have received, is there any indication what happens after the tiered-rate period expires ? (Jul 31 in my case.)

My tiered-rate offer says the rate reverts to the Posted Rate after the offer ends in August:

1. The Tangerine Bank (the “Bank”) Savings Tiered Rate Offer (the “Offer”) is available to existing Tangerine Clients who receive a communication about the Offer directly from the Bank (“Eligible Clients”).

2. The Offer is only available to Eligible Clients on daily closing balances in their Eligible Savings Account(s) (as defined below) from February 1, 2026 to July 31, 2026 (the “Promotion Period”).

3. For the purposes of this Offer, “Eligible Savings Accounts” include the following Tangerine Accounts: Tangerine Savings Accounts, Tax-Free Savings Accounts (“TFSA Savings”), RSP Savings Accounts (“RSP Savings”), RIF Savings Accounts and US$ Savings Accounts, and don’t include any other Tangerine Accounts such as (but not limited to) Business Savings Accounts, US$ Business Savings Accounts, or Children’s Savings Accounts.

…

10. After the Promotion Period ends, all balances in Eligible Savings Accounts will earn interest at the Posted Rate only.

…