t a n g e r i n e c a p i t a l

Branches

ATM’s

[or]

Open Account

Branches

ATM’s

[or]

Contact Info

Chicago 12, Melborne City, USA
+88 01682648101
[email protected]

No-Fee Daily Chequing
Keep More of Every Paycheque.

Home
Spend
Chequing Account

Monthly fees — guaranteed

$250

New client paycheque bonus¹

3,500+

Free ABMs across Canada

Free

Unlimited Interac e-Transfers

Overview

Canada’s no-fee chequing —
built around your life.

Most banks charge you just to hold your money. At Tangerine Capital, there are no monthly account fees, no minimum balance, and no fine print. Your paycheque goes further from day one — and new clients can earn a $250 cash bonus just for switching their direct deposit.

Earn $250 when you move your pay New clients who set up a qualifying direct deposit within 90 days receive a $250 cash bonus — credited automatically to their account.
Unlimited daily transactions, always free Debit purchases, bill payments, and pre-authorized transactions are all unlimited — with zero per-transaction fees, ever.
Zero Liability fraud protection Interac & Visa* Debit Zero Liability covers unauthorized purchases so you’re never on the hook for fraud.
Manage everything from the Tangerine app Send money, pay bills, deposit cheques, and check balances — all from your phone, 24/7, with no fees attached.

Open a Chequing Account How it works

New Client Offer

$250 cash bonus

Move your direct deposit to Tangerine within 90 days of opening and we’ll deposit $250 straight into your account. No promo code. No catch. No fee to receive it.

$0 monthly account fees — no conditions
No minimum balance requirement
Unlimited free Interac e-Transfers
Access to 3,500+ free ABMs Canada-wide
Visa* Debit & Interac Zero Liability protection
Autodeposit for instant incoming e-Transfers

CDIC Member. Eligible deposits insured up to $100,000 per insured category.

Account Options

One Account. Every Need Covered.

Whether you’re an individual, a student, or a family, our no-fee chequing account adapts to your lifestyle — at no extra cost.

Everything You Need. Nothing You Don’t.

Every feature of the Tangerine Chequing Account is designed to save you money and give you more control over your day-to-day banking.

No Monthly Fees

Unlike big banks, we never charge a monthly account fee — not $5, not $16, not ever. No minimum balance required to waive anything.

Free Interac e-Transfers®

Send and receive money securely within Canada, directly from your account. Register for Autodeposit and incoming transfers arrive instantly — no manual acceptance needed.

3,500+ Free ABMs

Access cash for free at over 3,500 ABMs across Canada in the Scotiabank network. No surcharges, no per-use fees — just your money, whenever you need it.

Zero Liability Protection

Shop with confidence online and in-store. Interac & Visa* Debit Zero Liability covers 100% of unauthorized purchases — you’re never responsible for fraud on your account.

Unlimited Transactions

Debit purchases, bill payments, pre-authorized debits, and withdrawals — make as many as you need each month without worrying about transaction limits or per-item charges.

24/7 Online & Mobile Banking

Your account never sleeps. Check balances, pay bills, send money, and deposit cheques by photo — from your phone or computer — any hour of any day.

Direct Deposit

Your paycheque works harder here.

When you set up direct deposit into your Tangerine Chequing Account, your money is available the moment it lands — with no holds and no waiting periods on payroll deposits. Pre-authorized payments are equally seamless, so your bills get handled automatically while you focus on what matters.

Instant Access

Payroll deposits are available immediately — no next-day delays on employer direct deposits.

Pre-Authorized Payments

Set up recurring bill payments and subscriptions once — they run automatically from your account.

Automated Savings Rules

Every time a deposit lands, automatically move a portion to your Tangerine Savings Account.

Instant Deposit Alerts

Get an SMS or push notification the second your paycheque hits — so you always know where you stand.

Why Canadians Switch Their Pay to Tangerine

Average $250 Bonus in Year One New clients who move their direct deposit receive a cash bonus — no spending required

Up to $192 Saved on Fees Annually Compared to the average $16/month chequing fee at Canada’s Big Five banks

2 Million+ Canadians Banking Fee-Free Tangerine is Canada’s leading no-fee digital bank, trusted by clients from coast to coast

Ranked #1 for Client Satisfaction Tangerine has received the highest overall satisfaction score among digital banks in Canada for 5 consecutive years

Set Up Direct Deposit Now

How It Works

Open Your Account in Under 5 Minutes

No branch visit. No paperwork. Apply entirely online and your account is ready the same day.

Verify Your Identity

Complete a quick digital ID check using your government-issued photo ID and a short selfie. The entire process typically takes under 2 minutes.

Complete the Application

Fill in your personal details and choose your account type. The entire form is online — no branch visit, no mailing, no waiting for paperwork.

Instant Account Approval

Most applications are approved instantly. You’ll receive your account number and online banking credentials by email within minutes of applying.

Move Your Paycheque

Give your employer your new Tangerine account details for direct deposit. Once a qualifying deposit arrives, your $250 bonus is credited automatically.

Ready to stop paying to bank? Opening a Tangerine Chequing Account takes less time than your morning coffee.

Get Started Now

Required Documents

What You’ll Need to Apply

The entire application is paperless. Have these ready before you start and you’ll be done in minutes.

Government-Issued Photo ID Driver’s licence, passport, or provincial ID card accepted

Social Insurance Number Required by Canadian law for all personal bank accounts

Proof of Address Utility bill or bank statement dated within the last 90 days

Quick Selfie Verification A short photo or video taken at time of application for identity matching

Valid Email Address For account confirmation, e-statements, and secure notifications

Canadian Mobile Number Used for two-factor authentication and real-time SMS alerts

Applicants must be a Canadian resident and the age of majority in their province or territory. Non-residents with a valid work or study permit may also apply with additional documentation.

Eligibility Criteria

Age of Majority Must be 18+ (or 19+ in BC, NB, NL, NS, NT, NU, and YK). Youth accounts are available from age 13 with a co-signing parent or guardian.
Canadian Residency Must hold a valid Canadian residential address. Non-residents on a valid work permit or study permit are also eligible to apply.
No Minimum Income There is no income requirement to open or maintain a Tangerine Chequing Account. Your account is free from the moment it opens.
$250 Bonus Eligibility Available to new Tangerine clients who have not held a Tangerine Chequing Account before and complete a qualifying direct deposit within 90 days.

Open your account today —
and earn $250 for moving your pay.

No branch. No fees. No minimum balance. Just better banking, starting right now.

Open an Account Explore Savings ›

¹ $250 offer available to new Tangerine clients only. Direct deposit of a recurring payroll payment must be received within 90 days of account opening. Terms and conditions apply. * Visa is a trademark of Visa International Service Association and is used under licence.

Branches

ATM’s

Branches

ATM’s

No-Fee Daily ChequingKeep More of Every Paycheque.

Canada’s no-fee chequing —built around your life.

One Account. Every Need Covered.

Everything You Need. Nothing You Don’t.

No Monthly Fees

Free Interac e-Transfers®

3,500+ Free ABMs

Zero Liability Protection

Unlimited Transactions

24/7 Online & Mobile Banking

Your paycheque works harder here.

Instant Access

Pre-Authorized Payments

Automated Savings Rules

Instant Deposit Alerts

Open Your Account in Under 5 Minutes

Verify Your Identity

Complete the Application

Instant Account Approval

Move Your Paycheque

What You’ll Need to Apply

Eligibility Criteria

Open your account today —and earn $250 for moving your pay.

No-Fee Daily Chequing
Keep More of Every Paycheque.

Canada’s no-fee chequing —
built around your life.

Open your account today —
and earn $250 for moving your pay.