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Limited Time Offer

Score up to $500 before it’s gone¹

Start by becoming a Client. It’s that easy.

 

Days

Hours

Minutes

Seconds

Become a Client

Your money’s got 1 job – to make you even more.

So put it to work at the #1 Bank in Canada on the Forbes list of the World’s Best Banks 2025.w A couple of smart money moves could land you up to $500 cash.
 

Here’s how it works – but only if you become a Client by July 21, 2025.

Earn $250 cash

Move your eligible pay to a Chequing Account with no monthly fees.1

Earn an extra $250 cash

Then, move $3,000 into an eligible TFSA/RSP Savings or GIC Account & let it grow.1

That’s $500 in your wallet!

You’ll get paid $250 cash and then another $250.

Yes, it’s that easy. Here are the full details you need to know.

$250 cash Bonus¹

- Become a Client by July 21, 2025 & open a Tangerine Chequing Account in your first 60 days.
- Then in your next 60 days, set up and receive your first eligible payroll deposit.
- Keep your pay deposits coming for at least 2 more months.

$250 more¹

- Open an eligible TFSA/RSP Savings Account or TFSA/RSP GIC within 30 days of becoming a Client.
- Deposit or transfer at least $3,000 & keep it in place for at least 3 months in a row.

Plus, Savings growth

- If you choose to open a new eligible TFSA or RSP Savings Account, it may also qualify for a special 4.50% interest rate2.

Become a Client

Switching could be a game changer

Keep things simple and move your money to Tangerine.

Transfer a TFSA/RSP

Bring in as much as you want and start enjoying the benefits of your new Account.

We’ll help with transfer fees

Bring over at least $15,000 and we’ll cover up to $150 of any transfer fees. Conditions apply.

Become a Client

This offer ends soon

So why wait? You have until July 21, 2025 to become a Client and cash in!

Become a Client

Refer friends & earn up to $300

After becoming a Client, keep earning cash by referring your friends. You can earn up to an extra $300 each year when you successfully refer up to 6 friends.∆

Sticky Notes

FAQ

Answers to all your burning questions are right here.

What if I move my eligible pay but don’t set up any registered Savings?

No problem. You could still earn $250 for moving your pay!

Do I need to keep my TFSA/RSP balance at $3,000?

You need to keep at least $3,000 of funds in place for at least 3 months in a row.

What payroll deposits qualify?

Only deposits categorized under the Canadian Payment Association code as payroll qualify, including Pension, Employment Insurance, Old Age Security, Canadian Pension Plan, Workers Compensation, Parental Assistance and Income Security Benefit. You can find a complete list in section 7 of the Full Offer Terms and Conditions. You need to deposit the full amount of your payroll direct deposits to qualify, and the payroll direct deposits need to total at least $200 per month. Make sure your first deposit is made within 60 days of your Account opening, and keep the deposits going for at least another 2 months in a row.

When do I get paid my cash Bonus(es)?

We’ll deposit the cash in your Chequing Account in the month after you’ve completed all the requirements. We’ll deposit the extra cash bonus of $250 in your Chequing Account in the month after you keep at least $3,000 of funds in place for at least 3 months in a row.

1 The Tangerine New Client Payroll & Extra Bonus Offer (the “Offer”) is available to new Clients who(se) Client Number was created between July 8, 2025 and July 21, 2025. 

To earn a cash Bonus of $250 (“Bonus”) an eligible Client must: (a) open a Tangerine Chequing Account as the Primary Account Holder within 60 days of the date their Client Number was created; and (b) set up eligible payroll direct deposits within 60 days of the date their Chequing Account was opened. The Bonus will be paid to the new Client’s Tangerine Chequing Account provided that: (i) the full amount of their payroll direct deposits is deposited; (ii) payroll direct deposits total a minimum of $200 on a monthly basis; (iii) the first eligible payroll direct deposit is received in their Account within 60 days of successfully opening the Chequing Account; and (iv) their subsequent eligible payroll direct deposits continue for at least 2 consecutive months. The Bonus will be paid to the Client’s Tangerine Chequing Account in the subsequent month following the satisfaction of the Offer conditions. Limit of one Bonus per Primary Account Holder.

To earn an additional cash Bonus of $250 (“Extra Cash Bonus”), in addition to satisfying all of the terms and conditions above for the Bonus, within 30 days of the date their Client Number was created, the eligible Client must: (a) open a new Eligible Registered Account, and (b) deposit at least $3,000 into the new Eligible Registered Account and maintain it for at least 3 consecutive months. The Extra Cash Bonus will be paid to the Client’s Tangerine Chequing Account within 30 days after the conditions in the paragraph above have been satisfied. Tangerine RIF Accounts, RSP Investment Fund Accounts and Tax-Free Investment Fund Accounts don’t qualify as Eligible Registered Accounts under this Offer. Limit of one Extra Cash Bonus per Client.

By accepting this Offer, you agree to the terms and conditions of this Offer. Offer may be changed, extended or cancelled without notice. Full Offer Terms and Conditions, including definitions of any capitalized terms, are available here.

wThis prestigious award is presented by Forbes and Statista, the world-leading statistics portal and industry ranking provider. The ranking recognizes the best banks in 34 countries based on an independent survey sample of more than 50,000 consumers. Survey participants evaluated select banks on several criteria: Trust, Terms & Conditions, Customer Service, Digital Services, and Financial Advice. Of the 11 banks in Canada ranked by respondents, Tangerine Bank was ranked #1. For more information about the award methodology and banks included in the ranking, visit here.

∆ Existing Clients can earn a $50 Referral Bonus for each eligible “friend or family member” they successfully refer (up to a maximum of 6 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.

2 The Tangerine New Client 4.50% Interest Rate Offer (the "Offer") is available to new Tangerine Clients who: (a) have a Client Number created between December 18, 2024 and July 31, 2025, and (b) open an Eligible Savings Account as the Primary Account Holder within 60 days of the date their Client Number was created. The 4.50% Promotional Rate will apply to deposits made to an eligible Client’s 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 (in the currency of the Eligible Savings Account) per Eligible Savings Account Type (for deposits to registered Eligible Savings Accounts made through a T2033 form, please see the full Offer Terms and Conditions). The Promotional Rate is an annualized rate, 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 any 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.