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No monthly fees – now or later

Banking that works for student life and beyond.

  • Move your pay & earn $2501
  • Free Interac e-Transfer® transactions
  • Sign up by taking a selfie
Become a Client

Why bank with Tangerine? We’re glad you asked:

Looking for a student bank account? The Tangerine Chequing Account works great as a student’s bank account and postgraduate bank account. It has no monthly fees for anyone – so you don’t need to worry about what happens after graduation. Sign up today – you could earn $2501 for moving your pay… plus you could earn a 5.75% rate on a Savings Account for 5 months†.

Getting a sweet $250 is as easy as 1-2-3

1. Become a Client

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

2. Open your Chequing Account

It’s the original no monthly fee digital bank Account, designed to uncomplicate your life.

3. Switch your payroll deposits to earn $250¹

Move your paycheques to your Tangerine Chequing Account for 2 consecutive months, and we’ll give you $250.

Note

Got questions? We’ve got answers.

Check out our FAQs.

We don’t want to brag. But we could.

Thanks to you, we’re #1 in Client Satisfaction among midsize personal banks 12 years in a row.⁹

Download the app

Become a Client completely digitally with our Mobile Banking app. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience‡.

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

4.6

34,100 Reviews‡

4.7

63,100 Reviews‡

QR Code to download our App

Signing up on Web is cool too!

Sticky Notes

FAQ

Visit our Help Centre to find all the answer you're looking for.

What kinds of deposits qualify to earn the $250

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 6 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 2 months in a row.

When will I get my $250

We’ll deposit the $250 in your Chequing Account in the month after you’ve had two consecutive months of payroll deposits.

What types of Savings Accounts qualify

You’ll earn your special rate on Tangerine Savings Accounts, including RSP and TFSA Savings Accounts.

Is there a maximum deposit amount for this offer

You’ll get your 5.75% 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, $1,000,000 in all your RSP Savings Accounts combined, and $1,000,000 in all your Tax-Free Savings Accounts combined.

When do I start earning the promotional interest

The promotional rate begins on the date your first Eligible 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.

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.

Savings Account and Chequing Account interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts.Savings Account and Chequing Account interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts.

1  The Tangerine New Client Payroll Offer (the “Offer”) is available to new Clients who(se): (a) Client Number was created between May 1, 2024 and October 31, 2024; (b) open a Tangerine Chequing Account as the Primary Account Holder within 60 days of the date their Client Number was created; and (c) set up payroll direct deposits within 60 days of the date their Chequing Account was opened. A cash Bonus of $250 will be paid to the new Client’s Tangerine Chequing Account if the Client switches their eligible automated and recurring payroll direct deposits to their new Tangerine Chequing Account, provided that: (i) they deposit the full amount of their payroll direct deposits; (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. Offer can’t be combined with any other Chequing cash bonus offers and is limited to one (1) Bonus per Client. 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.

† The Tangerine New Client 5.75% Interest Rate Offer (the "Offer") is available to new Tangerine Clients who: (a) have a Client Number created between May 1, 2024 and October 31, 2024, and (b) open an Eligible Savings Account as the Primary Account Holder within 60 days of the date their Client Number was created. The 5.75% 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.

2 Tangerine will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your Tangerine Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at tangerine.ca/feeschedule.

® Interac e-Transfer is a registered trademark of Interac Corp., used under licence.

^Fair fees mean they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. Registered Accounts have no unfair fees while your funds are with us. If at some point you decide to transfer your funds to another financial institution, a fee will apply. View the complete list of Account fees.

“Toronto Raptors” and associated word marks and logos are trademarks, designs and other forms of intellectual property of NBA Properties, Inc. and the Toronto Raptors and are used under licence. © 2023 NBA Properties, Inc. All rights reserved.

⁹For J.D. Power 2023 award information, visit jdpower.com/awards

Tangerine has won more awards than any other brand among midsize banks in the J.D. Power Canada Retail Banking Satisfaction Studies from 2006-2023. Visit jdpower.com/awards for more information.

‡ Some conditions may apply. Service is subject to availability and successful digital verification.

As of May 16, 2023 from the Google Play Store and App Store.