TANGERINE eschews brick-and-mortar branches in favour of the convenience and cost-efficiency of digital banking platforms. It passes savings along to clients in the form of fair fees and competitive cash-back incentives. Tangerine, formerly ING Direct before its acquisition and rebranding by Scotiabank, offers a streamlined set of financial services: goal-oriented savings, no-fee chequing, money-back credit cards, retirement plans, investment portfolios and credit solutions. The bank has garnered media praise as a top employer achieving consistent portfolio performance and high customer satisfaction. The BV judging panel adds another accolade, naming Tangerine as the Best Digital Banking award winner (Canada 2022).