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Email this9:48 am
March 30, 2017
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mustang said
My own view-- based on personal experience:
It makes absolutely no difference, if you accept, decline, or just ignore an offer-- i.e., as to if/when you would receive another offer in the future
(However, you can pretty much rely that you will not get another offer until this one is expired-- at minimum)
I am with you but at the same time, if you don't plan to use it, don't accept. There is no upside accepting 🙂
10:14 am
September 7, 2018
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savemoresaveoften said
mustang said
My own view-- based on personal experience:
It makes absolutely no difference, if you accept, decline, or just ignore an offer-- i.e., as to if/when you would receive another offer in the future
(However, you can pretty much rely that you will not get another offer until this one is expired-- at minimum)I am with you but at the same time, if one dont plan to use it, dont accept. There is no upside accepting 🙂
Actually there is no downside accepting the offer.
12:28 pm
December 7, 2011
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Nothing for me this time.
12:43 pm
May 28, 2013
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My last promo ended Feb 28; no new promo offer for me yet.
Anyway, I moved moneys over to the offer I got from BMO at 4.95% til May 15. Much better.
8:05 pm
August 30, 2023
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Norman1 said
zgic said
… So will I earn interest only on the extra amount if I keep above 5k?
That's correct. The top-up to 3.75% is only paid on the parts of the closing balances that exceed the February 28 closing balance:
- Promotional Interest [3.75% minus regular interest rate] is calculated daily on each day's closing balance that exceeds the closing balance as at February 28, 2025 (the “Additional Balance”) beginning on the enrolment date until the end of the Offer Period [June 30, 2025 11:59 PM UTC];
Thanks Norman1. I was not sure of getting a next offer so soon from Simplii. I guess I have to empty the account before the end date of the offer.
5:01 am
March 30, 2017
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canadian.100 said
I am with you but at the same time, if one dont plan to use it, dont accept. There is no upside accepting 🙂
Actually there is no downside accepting the offer.
There is downside IF they do rotate offers around different customers for new rounds of promotion. We just don't know their algo in determining who gets what and when. But if there is another better offer like in this specific instance (Manulife), there is zero upside to accept in my mind.
2:10 pm
December 7, 2011
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Today I was "awarded" with 2.25%.
Amazing, thanks Simplii!
3:03 pm
January 2, 2025
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No one has mentioned that there is a $500K cap of deposits on this offer, if that matters. Most such offers are good up to $1 million. Simplii is clawing back.
10:12 am
October 27, 2018
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ddsdude said
No one has mentioned that there is a $500K cap of deposits on this offer, if that matters. Most such offers are good up to $1 million. Simplii is clawing back.
Perhaps you received different terms & conditions, but the t&c I received stated:
The maximum Additional Balance that is eligible for Promotional Interest is $1,000,000 per
Eligible HISA.
4:25 am
May 21, 2016
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savemoresaveoften said
Personal experience plus I wont post unless its fact check 🙂
I had an account, decided to close it last month due to inactivity. Then this offer pops up. Since I still have my customer profile. I logged in, then select open advantage account thru the promo page, and it shows promo rate etc.
Others have also reported that even it you have an active account, u just have to open another one and it qualifies !
Keep in month 4months promo period start the same day u open the account. So plan accordingly.
Currently there is no savings account promotion from Manulife unless it's targeted. Typically they have promotions listed on the website.
8:12 am
October 22, 2015
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2.25% as well. Pfffft
3:22 am
January 1, 2018
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I just received the '3.50% till June 30th' promo offer, which is interesting, given the timing ... 2 weeks AFTER the Mar 5th start date !
Fortunately (I guess) that I had transferred out all funds from the prior, and much better, 5.25% promo, Feb 26th/27th, I can now bring them back.
Given my TDDI ISA just dropped to 2.30%, and might go lower, I decided the extra interest is worth pursuing, even though it will be l.t. $1,000;
and then there's the principal of the thing, by not giving TD my cash for 2.30%. 😉
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