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Refer a Friend

Unwrap & enjoy $50∆, together

That’s $50 for each of you!

Become a Client
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You’ll love uncomplicated banking

Does your bank check all these boxes?

No monthly Account fees

More of your money stays in your pocket

Great Savings rate

Plus, new Clients get an awesome 4.50% Savings rate2

Free Interac e-Transfer® transactions

Send money from your Chequing Account without fees

Free access to 3,500+ Scotiabank ABMs

Easily get cash from your Chequing Account at the ABM nearest you

Quick & easy digital sign-up

Become a Client in minutes completely online – no need to call or leave your home3

Getting you closer to $50

Let’s put that referral Orange Key to good use when you become a Client. Here’s how:

Use your friend’s Orange Key when you become a Client

It’s on one of the first screens when you first sign up.

Open an eligible Account & start depositing

Deposit at least $250 within 60 days. For Investment Fund Accounts, your initial investment needs to be $250 or more.∆ For mortgages and other loans, the minimum deposit requirements don’t apply.

Maintain your Account balance

Keep a minimum of $250 in place for at least 60 days in a row.∆

Note

Got questions?

Check out our FAQs here.

Check out our most popular Accounts & offers

Most new Clients start with these 2 Accounts – probably because they have a lot to offer.

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Chequing Account

$0

Daily Chequing fees‡

$250 Bonus1

New Client offer

  • No monthly account fees with no minimum balances
  • Free Interac e-Transfer® transactions
  • Switch your payroll deposits and you could get $2501
Learn More
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Savings Account

4.50% rate2

New Client offer

0.30%†

Posted rate

  • Earn a great rate on every dollar
  • Easy access to transfer money to/from an external bank account
  • Reach your savings goals faster with an Automatic Transfer
  • Earn a special 4.50% Savings rate for 5 months2
Learn More

Need a bit more convincing?

No problem. Here are a few more things to consider before you give us a try.

Over 2 million Clients

From everyday banking to Savings & Investing, there’s something for everyone

Highly rated mobile app used by over 1 million Clients4

Our digital experience and money management tools keep things simple

#1 Bank in Canada - Forbes list of the World’s Best Banks 2025

We don’t want to brag, but we still could. Visit here to learn more.

Become a Client
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$50 is only the beginning

After becoming a Client, you can earn up to 3 referral Bonuses every year. That’s $150. So let’s get started!

Don’t have our Mobile Banking app3 yet? Download it today, so you can bank easily from anywhere.

4.6

43,000 Reviews4

4.7

71,000 Reviews4

QR Code to download our App
Sticky Notes

FAQ

Answers to all your burning questions are right here.

When do I get paid my $50 Bonus?

 

Once you’ve finished the steps above, your Bonus will be paid into your non-registered Tangerine Savings Account or Tangerine Chequing Account within 30 days.

 

Can I combine this with another promo?

 

Of course. We want the best experience for you. So, please feel free to browse what’s available.

 

What if I withdraw the $250 before 60 days are up?

You’ll need to always maintain an Account balance of at least $250 for 60 days in a row after you make your first deposit of at least $250. If it drops below $250, you will no longer qualify for the referral Bonus of $50 for you and the person who referred you.∆ 

 

Pro tip: If possible, try using automated deposits. These can help you maintain a balance and grow towards your goals.

 

Note that for mortgages and other loans, the minimum deposit requirements don’t apply.

Which Accounts are eligible?

 

All Tangerine Accounts (except for Credit Cards) are eligible for this offer. This includes mortgages and loans.

 

∆Existing Clients can earn a $50 Referral Bonus for each eligible “friend or family member” they successfully refer (up to a maximum of 3 per calendar year) who becomes a New Client to Tangerine using their Referrer’s Orange Key and who completes All Actions as set out below. This annual referral cap renews January 1 of every year, and any referrals that don’t earn a Bonus won’t carry forward to the next calendar year. Any remaining referrals not used by the end of the calendar year will be forfeited.

For New Clients to be eligible to earn a $50 Referral Bonus, they must complete the following actions ("All Actions"): (i) Enroll using a valid Refer a Friend Orange Key, (ii) successfully open their first Tangerine Account (excluding Tangerine Credit Cards), (iii) make an initial deposit/investment of at least $250 within 60 days of becoming a New Client, and (iv) maintain a minimum Account balance of $250 for at least 60 consecutive days starting on the day the initial $250 minimum deposit/investment is made. Note that for Mortgages and other Loans, the minimum deposit requirements don’t apply.

A “New Client” is a person that has never had an ING DIRECT or Tangerine Account. Accounts are deemed successfully opened when the new Client has satisfied the Account Terms and Conditions and the Account is without restrictions. Referral Bonus deposits will be made within 30 days of the New Client successfully completing All Actions provided all other terms and conditions are met, and will be paid into the non-registered Tangerine Savings Account or Tangerine Chequing Account of both the referring Existing Client (the “Referrer”) and referred New Client (the “Referral”). If the Referrer or the Referral has both a non-registered Tangerine Savings Account and a Chequing Account, the deposit of the Referral Bonus will be made to their Chequing Account by default. If they have both a joint Chequing Account and a single Chequing Account, the deposit will be made to the Chequing Account on which they are the primary Account holder. If the Referrer or the Referral doesn’t have either a Tangerine non-registered Savings Account or a Chequing Account, they’ll need to open one in order to receive the Referral Bonus. Once an Orange Key has been submitted, it can’t be reversed. Additional conditions and restrictions apply as set out in our Account Terms.

This Offer can’t be combined with any other Tangerine enrollment Bonus offers unless otherwise specified. Tangerine reserves the right at its sole discretion to, without advance notice, terminate or suspend the Offer, in whole or in part, or modify it in any way. Full Refer a Friend Terms & Conditions are available here.

†Fair fees means they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. View the complete list of Account fees.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.

Forward Banking and Orange Key® are registered trademarks of Tangerine Bank.

Interac e-Transfer is a registered trademark of Interac Corp., used under licence.

*Trademark of Visa International Service Association and used under licence.

6 Tangerine will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your Tangerine Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at tangerine.ca/feeschedule.