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Special Offer

Earn a 4.50% Savings rate for up to 5 months2

Grow your everyday Savings with a boosted rate.

Become a Client

Getting a sweet 4.50% Savings rate is as easy as
1-2-3

Become a Client

Sign up in minutes on your phone and get ready to have simple banking at your fingertips.

Open a Savings Account

Where your money can grow at a great rate with no minimum balance.

Get your awesome 4.50% interest rate for up to 5 months2

Perfect for your first Tangerine Savings Account and US$ Savings Account (up to $1,000,000 for each Account Type).

A Tangerine Savings Account is designed to help reach your goals

Great rate with no minimum balance

Earn the same great rate on every dollar in your Account.

No unfair fees^ or service charges

Because you shouldn’t have to pay money to save.

Free tools to make saving a breeze

Whatever goals are on your roadmap, our tools will help you get there.

Become a Client
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See why this rate’s so special

If you start out saving as of today, then in 5 months you could earn in interest and have a total balance of:*

$10,190.06

*Estimator tool is for demonstration purposes only and should not be relied upon as financial or other advice. Calculations are estimates only based on the information you provide and an annualized interest rate of 6,00% for 5 months, which may change, and based on interest calculated daily and paid monthly, assuming no withdrawals. Actual interest earned and total savings may vary based on amount deposited, offer eligibility and other factors. All rates, fees, features, offers and benefits and related terms and conditions are subject to change.

Sticky Notes

Promotional Interest Rate

Got questions? We’ve got answers.

What types of Savings Accounts qualify

Tangerine Savings Accounts, including US$ Savings Accounts, where the new Client is the Primary Account Holder are eligible. This promotional rate offer does not apply to Tangerine Business Savings Accounts, Tangerine US$ Business Savings Accounts, Tangerine Children’s Savings Accounts or Tangerine Chequing Accounts.

Is there a maximum deposit amount for this offer

You’ll get your 4.50% rate on up to $1,000,000 (in the currency of the Eligible Savings Account) for each Eligible Savings Account Type. So that’s a maximum of $1,000,000 in all of your non-registered Savings Accounts combined.

When do I start earning the promotional interest

The promotional rate period begins on the date your first eligible non-registered Savings Account or eligible registered Savings Account is opened and expires at the end of 153 days (5 months) from that date (or once you reach the $1,000,000 balance threshold in the applicable Eligible Savings Account Type, whichever occurs sooner). Once the promotional rate ends, our posted rate will apply.

 

What this means is that if during the Offer Period you first open an eligible non-registered or registered Savings Account and then later open an eligible non-registered Savings Account, you will only earn the 4.50% promotional rate on that non-registered Savings Account for any time remaining in the 5-month promotional rate period starting from the date your first registered or non-registered Savings Account was opened. 

 

Example 1: You open a Tax-Free Savings Account on November 13, 2025 and open a non-registered Savings Account 2 months later. Your non-registered Savings Account will only earn the 4.50% promotional rate for a total of 3 months.

 


Note: Eligible registered Savings Accounts opened during the Offer Period are subject to a different promotional rate offer. See the boosted 4.60% registered Savings Account promo details or read the Full Offer Terms and Conditions to learn more.

When will I get my interest

You’ll see your promotional interest deposited in your Savings Account(s) on the first day of the month after the interest was earned.

Life is complicated enough – saving shouldn’t be.

See how easy it is to grow your money at a great rate with no minimum balances.

Become a Client

2 The Tangerine New Client Two Rate Savings Offer (the "Offer") is available to new Tangerine Clients who: (a) have a Client Number created between November 13, 2025 and March 16, 2026, and (b) open an Eligible Savings Account and/or an Applicable Registered Savings Account as the Primary Account Holder within 60 days of the date their Client Number was created. The 4.60% Registered Promotional Rate will apply to deposits made to an eligible Client’s Applicable Registered Savings Account(s) for 153 days (5 months) beginning on the date all Qualifying Conditions have been met, to a maximum of $1,000,000  per Applicable Registered Savings Account Type (for deposits to registered Eligible Savings Accounts made through a T2033 form, please see the full Offer Terms and Conditions). The 4.50% Non-Registered Promotional Rate will apply to deposits made to the Eligible Savings Account(s) for 153 days (5 months) beginning on the date all Qualifying Conditions have been met, to a maximum of $1,000,000 (CAD or USD as applicable) across all Eligible Savings Accounts of the same currency type combined. Both the Registered Promotional Rate and the Non-Registered Promotional Rate are annualized rates, calculated daily and paid monthly. All deposits to TFSAs and RSP Savings Accounts are subject to the limits imposed by the Canada Revenue Agency (CRA) and the Client is fully responsible for ensuring any and all deposits fall within these set CRA limits.

The Offer is only applicable to Accounts where the eligible new Client is the Primary Account Holder. Offer can’t be combined with any other promotional Savings rate offers except as otherwise permitted. By accepting this Offer, you agree to the terms and conditions of this Offer. Full Offer Terms and Conditions, including definitions of any capitalized terms, are available here. Offer may be changed, extended or cancelled without notice.