Tangerine Bank (Canada’s digital bank and wholly-owned subsidiary of Scotiabank, one of the “Big 5” banks in Canada with assets of approximately $1.4 trillion) and Engine by Starling (the Starling Group‘s banking Software-as-a-Service (SaaS) business) announced an agreement to deliver a banking platform for Tangerine clients in Canada.
Under the terms of the 10-year agreement, Tangerine will now aim to upgrade its core digital banking system to Engine’s cloud-native banking platform, allowing the digital bank to enhance its client experience and get ready for a new phase of growth.
With Engine’s SaaS platform, Tangerine’s clients should experience improved digital onboarding, chequing accounts, instant access savings, overdrafts, debit cards and smart money management features “such as card controls and spending insights, delivered through an intuitive mobile app.”
Engine’s end-to-end platform will offer a more simplified account view and consolidate the capabilities and “support tools Tangerine needs to reduce operational cost and complexity for employees.”
Tangerine becomes Engine’s North American client after the UK firm announced offices in New York and Toronto earlier in 2025. Born of the UK’s Starling Bank in 2022, the company “supports Salt Bank in Romania and AMP Bank GO in Australia.”
Terri-Lee Weeks, President and CEO of Tangerine, said that Tangerine chose Engine to help build the future of banking services for clients – delivering a better banking experience with features that evolve with client needs.
They added that Engine’s core banking system provides an end-to-end platform on which Tangerine can innovate quickly, “reducing the time-to-market for new products and features.”
Sam Everington, CEO of Engine by Starling, added that Engine’s technology and operating model is “a tried and tested blueprint for building market-leading digitally-native banks.”
They also noted that the agreement with Tangerine is a key milestone and the largest deal they “have signed to date, showing just how scalable and adaptable Engine is.”
This update comes after Engine’s expansion into the North American market to support its global growth and to develop new capabilities.
Tangerine will benefit from a dedicated Engine team in Toronto “consisting of product, delivery and technical specialists, who will now collaborate to deliver a refreshed suite of digital features and services.”
As mentioned in the announcement, Tangerine is one of Canada’s digital banks, empowering clients to reach their goals and “move their finances forward.”
Known for a simple-to-use digital and mobile experience, Tangerine offers banking products “without any complicated hoops to jump through.”
Engine by Starling is a SaaS tech provider with the aim of bringing its banking platform to banks across the globe. The Engine platform, built to power Starling in the UK, is “modular, API-based, cloud-native and a proven technology at scale.”
Starling Group includes Starling Bank, the licensed and regulated UK bank, Engine by Starling, an SaaS provider, and Fleet Mortgages, a Buy-to-Let mortgage lender. Based in London, the Group has offices in Cardiff, Manchester and Southampton.