Personal Digital Banking

¹ #1 Bank in Canada on Forbes’ World’s Best Banks 2026 list 

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.

² Terms and Conditions

1. The Tangerine Wealth 3% Bonus Offer (the “Offer”) is available between November 2, 2026 and March 15, 2027 (the “Offer Period”) to new and existing Tangerine Investment Funds Limited (“Tangerine Wealth”) clients.

2. Subject to the conditions below, clients are eligible for a 3% bonus of up to a maximum of $30,000 per Eligible Account (the “Bonus”) on all Eligible Contributions or Transfers with a Net Investment Amount of $25,000 or more to new or existing Eligible Account(s) at Tangerine Wealth.

3. Definitions:

i. “Eligible Contributions or Transfers”: All new contributions and/or transfers to your new or existing Eligible Account(s) at Tangerine Wealth, provided that:

• Eligible Contributions are funded from a non-registered account at Tangerine Bank (e.g. Tangerine Chequing to Eligible RSP; Tangerine Savings to Eligible TFSA etc.) and/or from a Canadian financial institution other than Tangerine Bank; and

• Eligible Transfers are made from a registered account of the same registered account type at Tangerine Bank (e.g. Tangerine RSP Savings to Eligible RSP; Tangerine TFSA Savings to Eligible TFSA etc.) and/or from a Canadian financial institution other than Tangerine Bank (e.g. TFSA to Eligible TFSA; RRSP to Eligible RSP etc.).

ii. “Net Investment Amount”: The combined sum of all Eligible Contributions or Transfers initiated within the Offer Period and successfully funded in your Eligible Account(s) by May 17, 2027, minus any transfers out or redemptions from the Eligible Account(s) within the same period. For the purposes of calculating the Net Investment Amount, the market value upon the receipt of each Eligible Contribution or Transfer will be used to determine eligibility.

iii. “Eligible Accounts”: RSP Investment Fund Accounts (including Spousal RSPs) (each an “Eligible RSP”), LIRA Investment Fund Accounts (each an “Eligible LIRA”), Tax-Free Investment Fund Accounts (each an “Eligible TFSA”), Non-Registered Investment Fund Accounts (including Joint -Accounts) (each an “Eligible Non-Registered Account”), RIF Investment Fund Accounts (including Spousal RIFs) (each an “Eligible RIF”) and LIF Investment Fund Accounts (each an “Eligible LIF”) held with Tangerine Wealth.

iv. “Eligible Portfolios”: Tangerine Balanced Income Portfolio, Tangerine Balanced Portfolio, Tangerine Balanced Growth Portfolio, Tangerine Dividend Portfolio, Tangerine Equity Growth Portfolio, Tangerine Balanced Income ETF Portfolio, Tangerine Balanced ETF Portfolio, Tangerine Balanced Growth ETF Portfolio, Tangerine Equity Growth ETF Portfolio, Tangerine Balanced Income SRI Portfolio, Tangerine Balanced SRI Portfolio, Tangerine Balanced Growth SRI Portfolio, Tangerine Equity Growth SRI Portfolio, and Tangerine Money Market Fund.

v. “Total Portfolio Amount”: The Net Investment Amount plus any existing balances held in your Eligible Account(s) at the start of the Offer Period.

4. To Qualify for the Bonus: 

i. During the Offer Period, initiate one or more Eligible Contributions or Transfers with a Net Investment Amount of $25,000 or more in your new or existing Eligible Account(s).

ii. For example, if you successfully funded $500,000 into your new or existing Eligible RSP Account(s) before March 15, 2027 and redeemed or transferred-out $25,000 within the same period, your Bonus will be based on the remaining Net Investment Amount of $475,000 ($500,000 - $25,000).

iii. Maintain your Total Portfolio Amount until June 21, 2027.

5. How the Bonus will be Calculated and Paid Out:

i. The Bonus will be calculated as 3% of the Net Investment Amount held in your Eligible Account(s) as of June 21, 2027, up to a maximum bonus of $30,000 per Eligible Account. 

ii. The Bonus will be paid in equal monthly payments over sixty (60) months (the “Bonus Payout Period”) to your Eligible Account(s) in the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts. In the case of Eligible LIRAs, Eligible RIFs, and Eligible LIFs, you must have an open Tangerine Chequing or Savings Account, in good standing, into which the Bonus will be deposited. Payments will be made within five (5) business days following the 15th of each month, commencing June 21, 2027.

Using the example above, if your Net Investment Amount is $475,000, and you have maintained your Total Portfolio Amount until June 21, 2027, you will be eligible for a $14,250 Bonus, paid out at $237.50 per month ($475,000 x 3% / 60).

iii. If during the Bonus Payout Period you redeem or transfer out funds from your Eligible Account(s), reducing your Total Portfolio Amount, future monthly Bonus payments will be reduced proportionally based on the amount redeemed or transferred out. A snapshot of the balances of your Eligible Account(s) will be taken on the 15th of every month to determine any adjustments to future monthly Bonus payments. Once monthly Bonus payments have been adjusted, subsequent contributions or transfers into your Eligible Account(s) will not increase the remaining Bonus payments. Previous installments will not be clawed back. During the Bonus Payout Period, you must maintain at least $20,000 of your Net Investment Amount in the Eligible Account(s). If your Net Investment Amount minus any redemption or transfer out made during the Bonus Payout Period falls below $20,000, your subsequent Bonus payments will be reduced to $0 for the remainder of the Bonus Payout Period. For example:

Example 1: If you successfully funded a Net Investment Amount of $500,000 into your Eligible RSP during the Offer Period, you qualify for a $15,000 Bonus, paid out in monthly installments of $250. If you redeem or transfer out $25,000 during the Bonus Payout Period, your future monthly Bonus payments will be adjusted to $237.50 ($475,000 x 3% / 60). Please note that subsequent purchases or sheltered transfers in during the Bonus Payout Period would not increase this reduced Bonus payout.

Example 2: If you successfully funded a Net Investment Amount of $25,000 into your Eligible TFSA during the Offer Period, you qualify for a $750 Bonus, paid out in monthly installments of $12.50 ($25,000 x 3% / 60). If you redeem or transfer out $10,000 during the Bonus Payout Period, your future monthly Bonus payments will reduce to $0, since your Net Investment Amount minus the amount redeemed or transferred out would be $15,000 ($25,000 - $10,000). Please note that subsequent purchases or sheltered transfers in during the Bonus Payout Period would not increase the Bonus payout back above $0.

iv. In the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts, the monthly Bonus payments will be issued as additional units of the Eligible Portfolio(s) that you own as of the date the Bonus payments are processed. In the case of Eligible LIRAs, Eligible RIFs, and Eligible LIFs, the monthly Bonus will be made in cash and deposited directly into your Tangerine Chequing or Savings Account. It may take up to 3 business days after the Bonus payment for the transaction to be reflected in your account.

v. If you make Eligible Contributions or Transfers to more than one Eligible Account of the same account type (e.g. more than one Eligible RSP), in the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts, your Bonus payment will be made to the Eligible Account with the lowest account number. 

6. General Terms:

i. You can initiate and complete multiple Eligible Contributions or Transfers to reach the minimum $25,000 Net Investment Amount. Eligible Contributions and Transfers across multiple account types cannot be aggregated to reach the $25,000 minimum.

ii. Each client is eligible for only one (1) Offer per Eligible Account type. The maximum Bonus amount is $30,000 for Eligible RSP(s), $30,000 for Eligible LIRA(s), $30,000 for Eligible TFSA(s), $30,000 for Eligible RIF(s), $30,000 for Eligible LIF(s), and $30,000 for Eligible Non-Registered Account(s).

For example, if you successfully funded $1,000,000 into your Eligible Non-Registered Account(s), $100,000 into your Eligible TFSA Account(s), $500,000 into your Eligible RSP Account(s) and $250,000 into your Eligible LIRA Account(s), the Total Portfolio Amount to maintain during the Bonus Payout Period will be $1,000,000 into your Eligible Non-Registered Account(s), $100,000 in your Eligible TFSA Account(s), $500,000 in your Eligible RSP Account(s) and $250,000 into your Eligible LIRA Account(s). You will be eligible for a $30,000 Bonus paid out in monthly installments of $500 ($1,000,000 x 3% / 60) into your Eligible Non-Registered Account, a $3,000 Bonus paid out in monthly installments of $50 ($100,000 x 3% / 60) into your Eligible TFSA Account, a $15,000 Bonus paid out in monthly installments of $250 ($500,000 x 3% / 60) into your Eligible RSP Account and, for your Eligible LIRA Account, a $7,500 ($250,000 x 3% / 60) Bonus paid out in monthly installments of $125 into your Tangerine Chequing or Savings Account. 

iii. Funds transferred in from another Canadian financial institution must be processed through a transfer form and the form must be initiated and submitted online or with a Tangerine Advisor and received by Tangerine Wealth by March 15, 2027. The other financial institution must deliver the transferred funds to Tangerine Wealth by May 17, 2027. 

iv. Your financial institution may charge fees for transferring your registered account(s) to Tangerine Wealth. As part of this Offer, Tangerine Wealth will reimburse administrative transfer fees up to a maximum of $150. To receive the reimbursement, you must submit a statement from your financial institution displaying the incurred transfer fees within 60 days of the Offer Period ending by emailing tangerineinvestmentfunds@tangerine.ca. The reimbursement will be issued as additional units of the Eligible Portfolio(s) that you own.

v. For the Bonus to be paid, the applicable Eligible Account must be open and in good standing at the time each Bonus payment is made. For purposes of this Offer, an Eligible Account is not in ‘good standing’ if the account holder is in breach of the Tangerine Investment Fund Account Terms. 

vi. Clients are responsible to confirm their contribution limits prior to making any contribution to their Eligible Account(s). The Bonus will not be considered a contribution and therefore will not impact a client’s applicable registered plan contribution limit. Tangerine Wealth is not responsible for any contribution over a client’s limit in connection with this Offer. Clients should consult with a tax advisor to discuss any tax implications in connection with this offer and clients are responsible for any required tax reporting.

vii. The Offer is non-transferrable, non-saleable, may not be exchanged for cash and may not be duplicated. The Offer may be changed, cancelled, or extended at any time without prior notice.

viii. Tangerine Wealth reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke this Offer to any person that it finds, suspects or believes to be manipulating or gaming the system, or otherwise abusing the process, fairness, or integrity of the Offer and reserve the right to recover the Bonus payments previously made.

³ 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, 2027; (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. Unless otherwise specified, 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.

⁴ The Tangerine New Client Two Rate Savings Offer (the "Offer") is available to new Tangerine Clients who: (a) have a Client Number created between [[NCO.SAVINGS.STARTDATE]] and [[NCO.SAVINGS.ENDDATE]], 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 [[NCO.SAVINGS_RSP.RATE]] 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 [[NCO.SAVINGS.RATE]] 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.

⁵ Savings and reward potential in first 12 months includes current welcome offer value, annual point bonus, estimated first year point earn potential and airport lounge savings as of September 25, 2026

$500 in Scene+ points (50,000 bonus Scene+ points) for new clients who spend $5,000 in Net Purchases within the first 3 months

$100 in Scene+ points (10,000 bonus Scene+ points) when you spend $30,000 annually on your Account each year (12-months)

CAD$291/USD$210 worth of lounge passes annually (membership valued at USD $99/CAD $138 per year and 3 incremental passes valued at USD$37/CAD$51 per pass). Currency conversion as of July 31, 2026.

First year point earn potential value of $330 is based on 33,000 points earned through annual net purchases of $30,000, including $6,000 in 1.5x accelerator categories and $24,000 in all other categories. These are estimations for illustrative purposes only. Please consider your expected annual net purchases and redemptions when determining your potential annual value.

Potential First Year Value = up to $1,221 (Rounded down to $1,220)

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers which are subject to change. Conditions apply.

⁶ As of Mar 10, 2026 there were 49.9K reviews with an average rating of 4.5 from the Google Play Store and 77K reviews with an average rating of 4.7 from the App Store.

⁷ JD Power 2012-2026 Canada Retail Banking Satisfaction Studies. Visit jdpower.com/awards for more details.

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

⁸ Some conditions may apply. Service is subject to availability and successful digital verification.

^®* World Elite and Mastercard are registered trademarks of Mastercard International Incorporated.

^® Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank.

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

Tangerine Wealth is a business name used by Tangerine Investment Funds Limited

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Tangerine Investment Funds are managed by 1832 Asset Management L.P. Tangerine Investment Funds Limited is the principal distributor of Tangerine Investment Funds. Tangerine Investment Funds Limited and 1832 Asset Management L.P. are wholly owned subsidiaries of The Bank of Nova Scotia.