Desjardins.com
Depends
Confidence: Medium
A full-service cooperative bank worth it if you live in Quebec and want banking, insurance, and investing under one roof.
New check
Comparison
Desjardins.com vs Tangerine
Desjardins.com and Tangerine both land on Depends.
Tangerine
Depends
Confidence: Medium
A solid fit for Canadians who want no-fee everyday banking managed entirely in an app.
| Compare | ||
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Quebec residents wanting one-stop banking | No-fee everyday banking |
| Who it's not for | Anyone outside Quebec . branch network thins fast elsewhere | Branch users and cash depositors |
| Privacy | Major 2019 insider breach; reforms followed; 2026 alleged database sale unverified.¹ | No public vulnerabilities or breaches found for Tangerine (the Canadian bank); a Feb 2024 breach hit Tangerine Telecom Australia, an unrelated company. |
| Support quality | Reddit users call service incompetent | Repeated Reddit complaints about long waits |
| Public sentiment | Public user sentiment skews negative, dominated by service-quality complaints and security anxiety.⁷ | Polarized: J.D.16 |
| Biggest gotcha | 2019 breach was insider-caused; Desjardins restructured and banned employee data downloads after⁶ | Expect slow support: reports of 24+ hours spent resolving single issues |
Pick Desjardins.com when
- Quebec residents wanting one-stop banking
- Bundling insurance with banking
- Cooperative-ownership fans
- French-first banking
When Desjardins.com is not a fit
- Anyone outside Quebec . branch network thins fast elsewhere
- Security-first customers: breach history is hard to ignore
- People needing US or international banking presence
- Bargain hunters chasing no-fee online banks
Pick Tangerine when
- No-fee everyday banking
- Newcomers to Canada
- App-first savers
- Big-Six fee avoiders
When Tangerine is not a fit
- Branch users and cash depositors
- Anyone needing fast human support
- Businesses needing merchant or complex business banking
- Fee-sensitive DIY ETF investors
Sources
news
news
- Breach cost $53m in Q2computerweekly.comnews
- Alleged Desjardins database for salebrinztech.comsecurity
- Hudson Rock infostealer checkhudsonrock.comsecurity
- Desjardins restructure after breachthenews.coopnews
review
- ScamAdviser legitimacy checkscamadviser.comreview
- Desjardins official homepagedesjardins.comofficial
- Desjardins digital security pagedesjardins.comofficial
- Desjardins phishing pagedesjardins.comofficial
- Trustpilot reviewstrustpilot.comreview
- Comparably NPS pagecomparably.comreview
- Desjardins structured notesfondsdesjardins.comofficial
official
review