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Email this3:45 pm
November 6, 2018
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JohnnyCash said
Not all Tangerine clients get the same exact offer in respect to which type of accounts are included in the offer.
That is correct. Compared to bhuc's offer, the offer I received from Tangerine this afternoon does include US$, TFSA and RSP savings accounts but not RIF, business or children's savings accounts.
“The Offer is only applicable to Tangerine Savings Accounts (“Savings”), Tangerine Tax-Free Savings Accounts (“TFSA Savings”), Tangerine RSP Savings Accounts (“RSP Savings”), and Tangerine US$ Savings Accounts (“US$ Savings) (referred to collectively as “Applicable Accounts”) where the Eligible Client is the Primary Account Holder as described in Section 13 below. Multiple Applicable Accounts of the same type (for example, three separate TFSA Savings Accounts) are collectively defined as an “Applicable Account Type”. The Offer is not applicable to any other Accounts, including (but not limited to) Tangerine RIF Savings Accounts (“RIF Savings”), Tangerine Business Savings Accounts, Tangerine US$ Business Savings Accounts, or Tangerine Children’s Savings Accounts (“CSA”).”
5:43 pm
September 30, 2017
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If everybody may be getting a slightly different version, then I presume some get the 3% on full account balance, while some only gets the 3% only on new money.
Is that so?
7:05 am
November 23, 2017
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hwyc said
If everybody may be getting a slightly different version, then I presume some get the 3% on full account balance, while some only gets the 3% only on new money.Is that so?
When I phoned in the agent said the 3% offer does not include USD. So all I have is a verbal on this question. I suggested to let her managers know they should specify this information in the offers. Then I withdrew my USD and went elsewhere.
7:49 am
October 11, 2015
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They don't seem to like me anymore. The most I could get was 2.4%. I took out a big chunk to take advantage of the 3% at Meridian.
7:55 am
February 7, 2019
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dentgal said
They don't seem to like me anymore. The most I could get was 2.4%. I took out a big chunk to take advantage of the 3% at Meridian.
My TNG HISA was recently upgraded to 0.4%. So, my $1.10 will get to $1.11 sooner; maybe.
My wife's 2.4% expires Aug 30. But we've bee shuffling all that out ...
| CGO |
11:10 am
January 12, 2019
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cgouimet said
My TNG HISA was recently upgraded to 0.4%. So, my $1.10 will get to $1.11 sooner; maybe.
. . .
I just noticed that ⬆ too ... that's a 300% Increase. 
Party Time ❗❗
-
Dean
" Live Long, Healthy ... And Prosper! "
11:42 am
November 6, 2018
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seh said
When I phoned in the agent said the 3% offer does not include USD. So all I have is a verbal on this question. I suggested to let her managers know they should specify this information in the offers. Then I withdrew my USD and went elsewhere.
As has been mentioned earlier in this thread, not everyone’s offer is the same. My offer from Tangerine does include USD.
1:05 pm
February 7, 2019
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Dean said
cgouimet said
My TNG HISA was recently upgraded to 0.4%. So, my $1.10 will get to $1.11 sooner; maybe.
. . .
I just noticed that ⬆ too ... that's a 300% Increase.
Party Time ❗❗
Dean
Keep $6500 in your TNG HISA and your interest income can treat you to one medium Timmy coffee per month. $200k could earn enough for one per day. For gas to get there, make it $400k ...
| CGO |
4:02 pm
July 28, 2016
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My wife just got the 3% offer till November 30th. Only on new money but on all accounts including USD
7:44 pm
March 8, 2018
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does Tang interac e transfer have fee when transferring between Tang USD accounts?
8:35 pm
April 6, 2013
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Interac e-Transfers are in Canadian dollars only.
Not sure it would be a good idea to convert US$ from a US$ account to C$, transfer the C$ by Interac e-Transfer, convert the received C$ to US$ to deposit in another US$ account.
4:21 am
March 30, 2017
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Norman1 said
Interac e-Transfers are in Canadian dollars only.Not sure it would be a good idea to convert US$ from a US$ account to C$, transfer the C$ by Interac e-Transfer, convert the received C$ to US$ to deposit in another US$ account.
bad idea, you will lose ~5% round trip on the FX rate. Thats what the bank wants you to do funding ur US$ via purchase/sale with them.
5:42 pm
March 8, 2018
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I took that USD interac e transfer does have fee at Tang
I got 2.8% till Jul30, wife got it from Jul to Oct30, so i like to move USD to her account.
Pushing USD out of my Tang account to BMO USD and pulling it back into wife's Tang account is an alternative but will lose a few days of interest.
edit: or make her USD account joint
9:50 am
September 24, 2019
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Pretty well have emptied my HISA 2.8% with Tangerine now. I'm hoping they come out with something decent like 5% GIC for any term. If they do I'll definitely lock in a lump sum with them.
10:12 am
April 21, 2022
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Alexandra said
Pretty well have emptied my HISA 2.8% with Tangerine now. I'm hoping they come out with something decent like 5% GIC for any term. If they do I'll definitely lock in a lump sum with them.
I don't have any skin in the game when it comes to GICs, however I do follow the topic out of curiosity. From what I've learned, my inclination at this time would be to go short term at no more than 3 months to re-evaluate interest rates and then decide if we are at, or near the peak before going long. My sense is that we have a few more rate increases in the works.
10:48 am
September 24, 2019
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The thing is for me, because there has been a lot of laddering of GIC's, I don't want to have funds just sitting in HISAs. If rates go up (and they probably will over the next year), the next bunch coming due will get the higher rates and so on. I'd be satisfied at my age if after the next five year laddering has been completed I averaged 5.5%. Who knows, 2 years from now things could be down to 3% or less again and we missed out on the 4.8% - 5.8? offerings. You know a bird in the hand.....
I am going to wait though until say Thursday of next week before I start getting my feet wet so to speak.
11:30 am
April 21, 2022
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Alexandra said
The thing is for me, because there has been a lot of laddering of GIC's, I don't want to have funds just sitting in HISAs. If rates go up (and they probably will over the next year), the next bunch coming due will get the higher rates and so on. I'd be satisfied at my age if after the next five year laddering has been completed I averaged 5.5%. Who knows, 2 years from now things could be down to 3% or less again and we missed out on the 4.8% - 5.8? offerings. You know a bird in the hand.....I am going to wait though until say Thursday of next week before I start getting my feet wet so to speak.
Yeah, that makes sense and if I was in the same shoes I would likely do the same.
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