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Refer your friends, earn up to $300 cash∆

Start by sharing your Orange Key with friends today. They can also earn $50—it’s a win-win!

How do you refer a friend and get paid? Easy.

Spread the word about no monthly Account fees and everything else you love about Tangerine.

Share

Share your Orange Key with friends and family to use when they open their first Account.

Send

Send them to tangerine.ca/referral if they have questions or want to learn more.

Earn

Earn $50 when your friend opens an eligible Account, deposits at least $250 within 60 days and keeps that balance for 60 days in a row. They’ll also get $50.

 

For Investment Fund Accounts, their initial investment needs to be $250 or more. ∆ For mortgages and other loans, the minimum deposit requirements don’t apply.

Cash in

Make up to 6 successful eligible referrals to earn up to $300 a year!

Here’s how to get your Orange Key

Your friends will need to enter your Orange Key when they sign up so you can both get the Refer a Friend cash Bonus.

Log in

Use our mobile app for the quickest way.

Go to ‘More’, then ‘Refer a friend’

Copy your Orange Key and share it with friends.

Log In Now

Let your friends in on an award-winning banking experience

In case they need extra convincing, share the good news with them.

Most Awarded for Personal Banking Client Satisfaction among Midsize Banks – J.D. Power⁹

Thanks to you, we’re #1 in Client Satisfaction among midsize personal banks 14 years in a row.

#1 Bank in Canada on the Forbes list of the World’s Best Banks 2025

We’re proud to have been recognized as the #1 Bank in Canada on the Forbes list of the World’s Best Banks 2025.

Sticky Notes

FAQ

Answers to all your burning questions are right here.

When do I get paid my $50 Bonus?

Once your eligible friend successfully meets the requirements, your Bonus will be paid into your non-registered Tangerine Savings Account or Tangerine Chequing Account within 30 days.

Who qualifies as a referral?

An eligible friend or family membero who has never had an Account with us. Your friend will need to:


- Become a Client and use your Orange Key
- Open an eligible Account 
- Within 60 days, deposit and keep an Account balance of at least $250 for 60 days in a row. For mortgages and other loans, the minimum deposit requirements don’t apply.

How many friends can I refer?

You may only refer 10 friends or family members per year but you can only earn up to 6 referral Bonuses every year.

When does this promotion expire?

Our Tangerine Bank Refer a Friend program is ongoing, so there’s no expiry date.

∆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.

†Fair fees means they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. View the complete list of Account fees.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.

Forward Banking and Orange Key® are registered trademarks of Tangerine Bank.

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

*Trademark of Visa International Service Association and used under licence.

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 April 30, 2026; (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.

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.

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

4 As of May 21, 2025 there were 44.7K reviews with an average rating of 4.5 from the Google Play Store and 72.5K reviews with an average rating of 4.8 from the App Store.

® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.

™ Google Play is a trademark of Google LLC.

6 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.

9 J.D. Power 2012-2025 Canada Retail Banking Satisfaction Studies. Visit jdpower.com/awards for more details.

Tangerine has won more awards than any other brand among midsize banks in the J.D. Power Canada Retail Banking Satisfaction Studies from 2006-2025. Visit jdpower.com/awards for more information.

This 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.

o“Friend or family member” refers to known friends or family members with whom you have a close personal or family relationship which includes direct, voluntary, two-way communications and who have confirmed that they want to receive the communication. Each time you make a referral, you represent and warrant to us that you have a close personal or family relationship (as defined above) with the individual that you refer that complies with these terms.