No hidden fees, no minimum balances, and one of Canada's highest savings rates. Everything you need to save more, spend smarter, and build lasting wealth.
From high-interest savings to fee-free chequing, smart investments, and flexible mortgages — every product built around your financial goals.
Earn one of Canada's best rates with zero fees and no minimum balance. Your money compounds every single day.
$0 monthly fees, unlimited transactions, free Interac e-Transfers, and 3,500+ ABMs. New clients get a $250 switch bonus.
GICs, RSPs, TFSAs, and managed portfolios with automatic rebalancing and low fees. Earn up to a 2% transfer bonus.
Competitive fixed and variable mortgage rates, personal loans, and lines of credit — with a dedicated specialist to guide you.
Take advantage of these exclusive offers before they expire. Real value, no gimmicks.
Transfer existing investments to Tangerine and we'll add a 2% bonus on top. Available for RSP, TFSA, and non-registered accounts. Terms apply.
Open a No-Fee Chequing Account and set up your payroll deposit within 60 days to receive a $250 welcome bonus deposited directly to your account.
A simple, secure way to grow your money with a guaranteed return. Zero risk to your principal, no fees, and CDIC protection on eligible deposits.
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Monthly Fees on Core Accounts
Choose up to three spending categories — groceries, gas, restaurants, recurring bills, and more — and earn 2% cash back automatically. Everything else earns 0.5%. Your cash back, your categories, no strings attached.
Use our interactive calculators to estimate monthly payments and plan your finances with confidence.
Estimate your monthly mortgage payment and see a full cost breakdown.
Have questions? Talk to a mortgage specialist.
From home renovations to debt consolidation — see how affordable your loan can be.
Need guidance? Contact our team.
Planning to buy new or used? Estimate your monthly payments instantly.
Questions? Speak with an advisor.
The Tangerine app puts full banking power at your fingertips — deposit cheques by photo, send Interac e-Transfers instantly, track spending, and set up automated savings rules. Available on iOS and Android.
Snap a photo, deposit in seconds.
Instant push notifications on every transaction.
Send and receive Interac e-Transfers at no cost.
See where your money goes, automatically categorized.
At Tangerine Capital, security isn't an afterthought — it's built into every layer of how we operate. From the moment you log in to the moment you send a transfer, your accounts are monitored, encrypted, and protected around the clock by industry-leading systems and a dedicated fraud response team.
Bank-grade encryption on every connection and transaction, without exception.
Verify your identity with biometrics, SMS codes, or authenticator apps.
Instant notifications the moment suspicious activity is detected on your account.
Your PIN and passwords are never stored — only you ever know them.
Join over 2 million Canadians. It takes less than 5 minutes to open your free account.
Everything you need to know about banking with Tangerine Capital. Can't find an answer? Our support team is always here.
Find answers organized by the products and topics that matter most to you.
Our support team is available 7 days a week, 8 AM – 10 PM ET.
Opening an account takes just a few minutes online or through our mobile app. You will need a valid Canadian government-issued photo ID, your Social Insurance Number (SIN), and an existing Canadian bank account for identity verification. Once verified, your account is typically active within one business day.
No. Our Savings Account and No-Fee Chequing Account both have $0 monthly fees with no minimum balance requirements. There are no hidden charges — what you see is what you get.
Yes. Tangerine Capital is a member institution and eligible deposits are protected under CDIC coverage. We also employ industry-leading security measures including 256-bit encryption, multi-factor authentication, and 24/7 fraud monitoring to keep your accounts safe at all times.
You can manage your accounts through the Tangerine Mobile App (iOS and Android), Online Banking at our secure website, Phone Banking through our automated or live-agent service, or at 3,500+ fee-free ABMs across Canada.
You can start your mortgage application online in a few simple steps. Visit our Mortgage page, choose a rate type (fixed or variable), complete the secure application with your income and property details, and upload supporting documents. A mortgage specialist will follow up to guide you through to approval. Existing clients may qualify for preferred rates — sign in to see your options.