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FAQs: Tax stuff

 
When will I receive my tax receipts?

For Accounts other than Investment Fund Accounts, receipts will be ready as follows:

Receipt Type

Electronic Receipts (by week of)

Paper Receipts (by week of)

RSP — Balance of year contributions

Jan 8, 2018

Jan 15, 2018

T4RSP — Statement of RSP Account Income (including HBP and LLP)

Jan 8, 2018

Jan 15, 2018

T4RIF — Statement of Income From a Registered Retirement Income Fund

Jan 8, 2018

Jan 15, 2018

RL-2 — Statement of RSP/RIF Account Income (including HBP and LLP) for Quebec Residents

Jan 8, 2018

Jan 15, 2018

NR4 — Statement of Amounts Paid or Credited to Non-Residents

Jan 8, 2018

Jan 22, 2018

T5 — Statement of Investment Income receipts

Jan 8, 2018

Jan 22, 2018

RL3 – Statement of Investment Income receipts for Quebec Residents

Jan 8, 2018

Jan 22, 2018

Annual statements for Savings Accounts will be mailed by the week of January 15, 2018.
Annual Mortgage statements will be mailed by the week of January 29, 2018. 
Receipts for RSP contributions made in the first 60 days of 2018, will be mailed starting week of January 22, 2018 and every two weeks thereafter until the week of March 12, 2018.


For Investment Fund Accounts, receipts will be ready according to the following schedule:

Receipt type

Electronic Receipts (by week of)

Paper Receipts (by week of)

RSP — Balance of previous year contributions

Jan 8, 2018

Jan 15, 2018

T4RSP — Statement of RSP Account Income (including HBP and LLP) 

Jan 22, 2018

Jan 29, 2018

T4RIF – Statement of Income from a Registered Retirement Income Fund

Jan 22, 2018

Jan 29, 2018

NR4 — Statement of Amounts Paid or Credited to Non-Residents (For Registered Accounts)

Jan 22, 2018

Jan 29, 2018

NR4 — Statement of Amounts Paid or Credited to Non-Residents (For Non-Registered Accounts)

Not Available

Mar 12, 2018

RL2 — Statement of Retirement and annuity income (including HBP and LLP) for Quebec Residents

Jan 22, 2018

Jan 29, 2018

T3 — Statement of Trust Income Allocations & Designations

Not available

Mar 12, 2018

RL16 — Statement of Trust Income for Quebec Residents

Not available

Mar 12, 2018

T5008 - Statement of Securities Transactions

Not available

Feb 19, 2018

RL18 - Securities Transactions for Quebec Residents

Not available

Feb 19, 2018


Receipts for RSP contributions made in the first 60 days of 2018, will be mailed starting the week of January 30, 2018 and every week thereafter until the week of March 12, 2018.

 

Which of my Accounts qualify for a Tax Receipt?

Account TypeTax ReceiptThe Why and How
Tangerine Savings Account, Non-Registered Yes If the interest earned is $50 or more for the calendar year, you’ll receive a tax receipt.
Tangerine Tax-Free Savings Account (TFSA), Registered No Tax-Free Savings Accounts don’t generate a tax receipt, since interest earned is tax-free.
Tangerine RSP Savings Account, Registered Yes RSP Accounts generate RSP Contribution Receipts. For more information see RSP Receipts FAQs.
Tangerine Chequing, Non-Registered Yes If the interest earned is $50 or more for the calendar year, you’ll receive a tax receipt.
Tangerine Business Savings Account No Business Accounts don’t qualify for a tax receipt. Please print your statements and provide them to your accountant.
Tangerine Investment Fund Account, Non-Registered Yes Holders of non-registered Investment Fund Accounts (that is, non-RSP, non-TFSA and non-RIF Investment Fund Accounts) will receive a T3 tax slip for any fund that has had a distribution in the previous year. These slips show any interest, dividend, or capital gain income earned.
Tangerine Tax-Free Investment Fund Account, Registered No Tax-Free Investment Fund Accounts don’t generate a tax receipt, since all distributions and gains in the Account are tax-free.
Tangerine RSP Investment Fund Account, Registered Yes RSP Investment Fund Accounts generate RSP Contribution Receipts for contributions made to that Account.
Tangerine RIF Investment Fund Account, Registered Yes RIF Investment Fund Accounts generate T4RIF tax slips for any withdrawals made from that Account.


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How do electronic receipts work?

Electronic receipts are designed to help you at tax time by providing fast and easy access to what you need to file your tax return.

To choose to receive your receipts electronically:

  1. Once you're logged in, click your name near the top right of the screen and go to ‘Profile & Settings’.

  2. In ‘General’, under ‘Other Communications’, click ‘Edit’ to change your tax receipt preferences, and choose electronic.


You'll begin getting your receipts online from the date you switch to electronic delivery. You'll also have access to all your tax receipts for this tax year. You can find your tax receipts under 'Documents’ once you're logged in.

If you've already received paper receipts, you'll see these same receipts online, marked "DUPLICATE" to help you stay organized.

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Where can I find my tax receipts online?

Once you’re logged in, your tax receipts can be found by clicking ‘Documents’ from the menu that appears when you click your name near the top right corner of your screen. Please keep in mind that tax receipts are only issued if interest earned during the year was over $50.

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How often will I receive a statement?

For active Investment Fund Accounts and active Savings Accounts, paper statements are sent quarterly. 

You can choose monthly electronic statements  for both your Savings Accounts and Investment Fund Accounts to keep everything simple. No waiting for the mail, no clutter, no hassles and you'll save a few trees too. To arrange electronic statements:

  1. Log in, if you aren’t already logged in..

  2. Click your name near the top right of the screen.

  3. Click ‘Profile & Settings’.

  4. In ’General’ , under ’Other Communications’, select ‘Edit’.

  5. Choose ‘Electronic’.

  6. Click ‘Done’.


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How can I change my Tax Receipts Delivery Preference online?

  • Click your name near the top right of the screen and click ‘Documents’. 

  • Under 'Tax Receipts' click ‘Delivery Options’ to change your delivery preferences.


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How can I print my Tax Receipts online?

  • Once you're logged in, click your name near the top right of the screen and click ‘Documents’.

  • Click ‘Tax Receipts’.

  • Select the tax receipt you'd like to print for the particular year, by selecting the year from the dropdown list.

  • This will give you the option to open or save the file.

  • Once the file is open, select 'Print' from the 'File' menu or hold “Ctrl + P” on your keyboard.


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I have a joint account. Why is only one Social Insurance Number (SIN) listed on the T5?

The Canada Revenue Agency (CRA) form provides space for only the primary account holder's SIN on all T5 receipts. However, Tangerine does print the names of both the primary and secondary account holders on the T5. In general, you should report your share of interest from a joint account based on how much you contributed. Please check with the CRA (www.cra.gc.ca) for more information.

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I have a Tangerine Guaranteed Investment (GIC). Is the interest I earned included on this receipt?

Yes. If the interest paid on a GIC and/or any other non-registered Account in a given calendar year is greater than or equal to $50, a T5 receipt is issued. Tangerine pays interest annually on the anniversary date of the GIC opening. However, your T5 will show only the interest earned during that calendar year.

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I have a US Dollar Savings Account with Tangerine. How is the US conversion rate calculated?

BOX 13 of your T5 receipt shows interest earned from Canadian sources. This includes interest earned on your US accounts, which is converted to Canadian dollars at an average annual conversion rate set by the Bank of Canada.

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I also have a Business Savings Account with Tangerine. Will I receive a T5 for this Account?

No. T5's are not required for business accounts.

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