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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 9, 2017

Jan 16, 2017

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

Jan 9, 2017

Jan 16, 2017

T4RIF — Statement of Income From a Registered Retirement Income Fund

Jan 9, 2017

Jan 16, 2017

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

Jan 9, 2017

Jan 16, 2017

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

Jan 9, 2017

Jan 23, 2017

T5 — Statement of Investment Income receipts

Jan 9, 2017

Jan 23, 2017

Annual statements for Savings Accounts will be mailed by the week of January 16, 2017.
Annual mortgage statements will be mailed by the week of January 30, 2017.
Receipts for RSP contributions made in the first 60 days of 2017, starting week of January 23, 2017 and every two weeks thereafter until the week of March 13, 2017


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 9, 2017

Jan 16, 2017

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

Jan 16, 2017

Jan 23, 2017

T4RIF – Statement of Income from a Registered Retirement Income Fund

Jan 16, 2017

Jan 23, 2017

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

Jan 16, 2017

Jan 23, 2017

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

Jan 16, 2017

Jan 23, 2017

T3 — Statement of Trust Income Allocations & Designations

Not available

Mar 13, 2017

RL16 — Statement of Trust Income for Quebec Residents

Not available

Mar 13, 2017

 

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:

Click your name near the top of the screen and go to your Profile & Settings. Then click 'General' to edit 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?

Active Mutual Fund Accounts will get paper statements monthly. Active Savings Accounts will get paper statements quarterly.

You can choose monthly electronic statements (eStatements) for both your savings and mutual funds to keep it simple! No waiting for the mail, no clutter, no hassles and you'll save a few trees too. To set up eStatements:

  1. Log into your Tangerine Account.
  2. Under ‘My info and options’, select ‘General settings’.
  3. Edit your Statement preferences.
  4. Choose Electronic.
  5. Click Update.

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How can I change my Tax Receipts Delivery Preference online?

  • Click 'Tax Receipts' in the ’My Documents’ section
  • Select 'Change Your Tax Receipt Preferences' in the bottom left corner.

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How can I print my Tax Receipts online?

  • Click 'Tax Receipts' in the ’My documents’ section once you're logged in.
  • 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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