TANGERINE opts for digital platforms rather than brick-and-mortar branches. This allows it to offer convenient and cost-effective services, fair fees, and competitive cash-back incentives. Originally known as ING Direct before being acquired and rebranded by Scotiabank, Tangerine focuses on a streamlined set of services. They include goal-oriented savings, no-fee chequing, money-back credit cards, retirement plans, investment portfolios, and credit solutions. The bank has received widespread recognition as a top employer, with consistent portfolio performance and high levels of customer satisfaction. The BV judging panel names Tangerine as the recipient of the Best Digital Banking award in Canada for 2023.