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Limited-time offer

Build momentum with a 4.60% boost2

Start strong with a boosted rate on RSP, TFSA and RIF Savings for up to 5 months.

Become a Client

Let’s get growing with a 4.60% rate for up to 5 months2

Become a Client

Sign up in just minutes on your phone.

Open an RSP, TFSA or RIF Savings Account

Open your Account within 60 days.

Grow your money

Every dollar added helps build your savings. Plus, there’s even tax benefits.

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Turn stalled savings into steady growth
 

Apply Now
Become a Client

Boost ahead for up to 5 months

Get a head start on growing your Savings from day 1, so you build momentum over time.

Stack interest every month

Add new deposits and transfers or just let your interest grow your balance for you.

Get up to $150 for transfer fees

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

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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.

Lock in your 4.60% Savings boost for up to 5 months²

Become a registered Savings Client and grow your RSP, TFSA or RIF Savings (up to $1,000,000 for each Account Type).

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

Become a Client
Sticky Notes

Promotional Interest Rate

Got questions? We’ve got answers.

No. If you open more than one eligible registered Savings Account, you’ll get this great rate on those Savings, too – up to $1,000,000 for each Account Type. But for those subsequent registered Savings Accounts, this promotional rate will only apply for up to 5 months starting from the day you open any eligible Savings Account, whether registered or non-registered. See also FAQ below “When do I start earning the promotional interest?”

Tangerine Registered Savings Accounts, including RSP, TFSA and RIF Savings Accounts are eligible.

You’ll get your 4.60% rate on up to $1,000,000 for each Applicable Registered Savings Account Type. So that’s a maximum of $1,000,000 in all of your registered RSP Savings Accounts combined, $1,000,000 in all your TFSA Savings Accounts combined, and $1,000,000 in all your RIF Savings Accounts combined (and subject to the imposed CRA limits).

The promotional rate period begins on the date your first eligible registered Savings Account or eligible non-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 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 registered Savings Account, you will only earn the 4.60% promotional rate on that 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 non-registered Savings Account on November 13, 2025 and open a Tax-Free Savings Account 2 months later. Your Tax-Free Savings Account will only earn the 4.60% promotional rate for a total of 3 months.
 

Example 2: You open an RSP Savings Account on November 13, 2025 and a Tax-Free Savings Account 4 months later. Your RSP Savings Account will earn the 4.60% promotional rate for a total of 5 months, but your Tax-Free Savings Account will only earn the promotional rate for a total of 1 month. 
 

Note: Eligible non-registered Savings Accounts opened during the Offer Period are subject to a different promotional rate offer. See the 4.50% non-registered Savings Account promo details or read the Full Offer Terms and Conditions to learn more.

Promotional interest is paid in two separate payments: (1) interest calculated at the posted rate of interest listed on our website, paid at the end of the month in which it was accrued, and (2) interest calculated at a rate that reflects the difference between the posted rate and the promotional rate, paid at the start of the next month after which it was accrued.

Read the Full Offer Terms and Conditions to learn more about this Offer.

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.