How to Use Tangerine Online Banking

Prerequisites

• Valid government-issued photo ID (driver's license or passport)
• Social Insurance Number (SIN)
• Canadian residential address
• Email address and mobile phone number
• Initial deposit (can be as low as $25 for some accounts)

Opening Your Account

1. Visit Tangerine.ca: Click "Open an Account" on the homepage
2. Choose Account Type: Select chequing, savings, or both accounts
3. Provide Personal Information: Enter your name, address, SIN, and contact details
4. Verify Identity: Upload photos of your government ID and take a selfie
5. Make Initial Deposit: Transfer money from another bank account or credit card
6. Get Virtual Card: Receive instant access to a virtual debit card
7. Download App: Install the Tangerine Banking app from the App Store or Google Play

Setting Up Goals & Budgeting

Creating Savings Goals

1. Open the App: Log in to your Tangerine mobile app
2. Navigate to Goals: Tap "Goals" in the main menu
3. Create New Goal: Tap "+" to add a new savings goal
4. Set Details: Name your goal, set target amount and deadline
5. Choose Funding: Decide how much to save automatically each month
6. Track Progress: Watch your progress with visual indicators and milestones

Using Left to Spend

1. Enable Feature: Turn on "Left to Spend" in your app settings
2. Set Categories: Define spending categories like groceries, entertainment, etc.
3. Monitor Spending: Check your available spending amount daily
4. Adjust Budget: Modify categories and amounts as needed

Using Mobile Deposit

1. Open the App: Log in to your Tangerine mobile app
2. Select Deposit: Tap "Deposit" from the main menu
3. Choose Account: Select which account to deposit into
4. Enter Amount: Type the cheque amount before taking photos
5. Take Photos: Photograph both front and back of the cheque
6. Review & Submit: Confirm details and submit your deposit
7. Keep Cheque Safe: Hold onto the physical cheque for 30 days

Investment Features

Buying Investment Funds

1. Navigate to Investments: Tap "Invest" in the mobile app
2. Choose Fund Type: Select from balanced, equity, bond, or index funds
3. Review Fund Details: Read about fees, performance, and risk level
4. Set Investment Amount: Choose how much to invest
5. Set Up Automatic Investing: Optional recurring investments
6. Confirm Purchase: Review and complete your investment

Bill Payments & Transfers

Paying Bills

1. Select Pay Bills: Choose "Pay Bills" from the app menu
2. Add Payee: Search for and add the company you want to pay
3. Enter Details: Add your account number with the payee
4. Set Amount: Enter the payment amount
5. Choose Date: Select immediate or future-dated payment
6. Confirm Payment: Review and submit your payment

Interac e-Transfer

1. Select Transfer: Choose "Send Money" in the app
2. Choose Recipient: Enter email or mobile number
3. Set Amount: Enter the transfer amount
4. Add Message: Include an optional personal message
5. Create Security Question: Set question and answer for recipient
6. Send Transfer: Confirm and send the e-Transfer

Apple Pay & Digital Wallet Setup

1. Open Wallet App: Launch Apple Wallet on your iPhone
2. Add Card: Tap "+" to add a new card
3. Choose Tangerine: Select Tangerine from the list of banks
4. Verify Card: Confirm via SMS or call to Tangerine
5. Start Using: Use your phone for contactless payments

Troubleshooting Common Issues

Frequently Asked Questions