Time to spin the wheel again on the Tangerine lottery | Page 3 | Tangerine Bank | Discussion forum

The current version of Tang is so juvenile. Are they run by a bunch of teenagers? They should just offer every client a decent rate and leave it at that. No more silly games, please. Sorry to be so blunt.

LOL, Northern Raven. thanks for the chuckle to accompany my morning coffee.

We have a joint Saving acct. and are coming off a 4.10% promo that just ended.
I guess we are now part of the seemingly random lotto for future promos. What are the odds we'll see another one anytime soon?
I left $1.00 in the account for visibility. Not sure if it matters as regards future promos? Any thoughts on that ?

I think it is 0.30 percent

Tangerine confirmed the rate.
I didn't know I was on tiered savings interest rate.
It only kicked in after the promo ended.
So yes 3.00% is correct and it expires Dec 31 2026

4.25% expired June 30/26. Called today and was offered tiered rate until Dec 31/26.
~ up to 50k, 2%
~ 50-99k, 2.5%
~ 100-499k, 3%
~ 500k+, 3.5%

LK said
4.25% expired June 30/26. Called today and was offered tiered rate until Dec 31/26.
~ up to 50k, 2%
~ 50-99k, 2.5%
~ 100-499k, 3%
~ 500k+, 3.5%  

~ 500k+, 3.5%
Do you get the 3.5% on the full $500,000 or only on the excess above $500,000?

COIN said

~ 500k+, 3.5%
Do you get the 3.5% on the full $500,000 or only on the excess above $500,000?  

Your eligible savings account(s) will earn a tiered savings rate based on the total balances across your eligible Tangerine accounts.* Now you can sit back and watch your interest roll in, or add money to your eligible accounts to reach a higher tier.

How you’ll get ahead with Tangerine Tiered Savings Rates:

• Earn interest with a savings rate that gets higher as your eligible account balances grow.

• Keep working towards your goals while getting extra interest on your savings.

Earn a savings rate based on your total daily balance*

$0 to $49,999 | 2.00%

$50,000 to $99,999 | 2.50%

$100,000 to $499,999 | 3.00%

$500,000 and above | 3.50%

Once you've reached the next tier, your full eligible savings balance will earn that tier's rate. The applicable tiered rates will continue to apply to the entire balance of your savings account(s) until December 31, 2026.

How is my tiered rate calculated?

We determine your tiered savings rate based on your total daily balance, which is the sum of:

• The combined daily closing balances in your Tangerine Savings Accounts, TFSA Savings Accounts, RSP Savings Accounts, RIF Savings Accounts, and US$ Savings Accounts (the USD balance will be converted to CAD at par for the purposes of Total Balance calculation), plus;

• Your combined GIC Account balances, including Tangerine GIC Accounts, US$ GIC Accounts, TFSA GIC Accounts, RSP GIC Accounts, and RIF GIC Accounts, plus;

• The total combined closing book values (also known as the adjusted cost base) of your non-registered Tangerine Investment Fund Accounts, Tax-Free Investment Fund Accounts, RSP Investment Fund Accounts and RIF Investment Fund Accounts, plus;

• The daily closing balance in your Tangerine Chequing Account.

Keep in mind that when we add all these up, we’re only including accounts where you’re the primary account holder.

Which savings accounts do I earn my tiered rate in?

Your rate applies to your non-registered Savings Accounts, Tax-Free Savings Accounts, RSP Savings Accounts, RIF Savings Accounts, and USD Savings Accounts.

Your tiered rate won’t apply to GIC Accounts, Investment Fund Accounts, Children’s Savings Accounts, or Small Business Accounts.

What happens if I’m already on a promotional savings rate?

If you’re on another savings promo right now, Tangerine Tiered Savings Rates won’t kick in until that one ends.

LK said

Good point - I should have said "applied". That said, I had called before my promo expired and was told to call back after it expired. I did so and was told of the tiered rates. At that point it becomes my choice ... it does mean that I'm unlikely to receive any other Tang promo until sometime in 2027.  

Interesting. I have a low ball tier that runs thru Sep. My wife a much much better one thru Dec. Neither was optional.

I was recently given the same 2% tiered rate up to $50k etc. It's not optional. Option is you move ur money out and come back in 2027 if ur so inclined.

I was on the low ball tiered rate until June 30th, 2026. Just checked insights and now offered 3.75% from July 7th to September 30th, 2026

Offer includes Savings, RSP, TFSA And US$ accounts