Affirm vs. Pibank
Comparing Affirm and Pibank for high-yield savings: Affirm's Affirm Money Account pays 3.20% APY while Pibank's Pibank Savings pays 4.60% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $140 more than Affirm annually ($460 vs $320).
Choose Affirm if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | AffirmAffirm Money Account Mar 18, 2026 | PibankPibank Savings Mar 24, 2026 |
|---|---|---|
| APY | 3.20% | 4.60% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Executive Summary
Pibank offers a competitive savings product, the Pibank Savings account, with an APY of 4.60%, making it the clear winner in this comparison. This account is online-only and does not require direct deposit, with a minimum balance of just $0.01 and no maintenance fees. In contrast, Affirm's Money Account provides a lower APY of 3.20% and is also online-only, with no minimum deposit or balance requirements. While Affirm boasts a strong mobile app experience, Pibank stands out for its higher returns, especially beneficial for both small and large deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Affirm?
- ✓Higher rated iOS app (4.9 vs 2.2)
- ✓Higher rated Android app (4.8 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.20%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $320/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $800/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
AffirmAffirm offers an iOS app rated 4.9 (vs. 2.2) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $140 more interest on a $10,000 balance than Affirm's Affirm Money Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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Affirm vs. Pibank Savings Calculator
You earn $140 more with Pibank than Affirm on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Affirm and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Affirm | Pibank |
|---|---|---|
| APY | 3.20% Verified: 3/18/2026 ↘︎ 0.40%90d Change | 4.60% Verified: 3/24/2026 Stable (90d) |
| Product Name | Affirm Money Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps | Visit SiteVerify at Affirm Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Pibank |
|---|---|---|
| Affirm Money Account | Pibank Savings | |
Current APY | 3.20% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.1 | -0.0 |
Days Since Change | 71 | 365 |
12-Month High | 3.85% | 4.60% |
12-Month Low | 3.20% | 4.60% |
Adjustments / Mo | 0.33 | 0.00 |
Volatility Score | 0.073 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Affirm's APY of 3.20% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Affirm vs Ally Bank | 3.20% | $0 |
| Affirm vs American Express | 3.20% | $0 |
| Affirm vs Axos Bank | 4.21% | $0 |
| Affirm vs Barclays | 3.85% | $0 |
| Affirm vs Capital One | 3.20% | $0 |
| Affirm vs Chime | 3.00% | $0 |
| Affirm vs CIT Bank | 3.75% | $100 |
| Affirm vs Discover Bank | 3.30% | $0 |
| Affirm vs EverBank | 3.90% | $0 |
| Affirm vs Marcus by Goldman Sachs | 3.65% | $0 |
| Affirm vs Newtek Bank | 4.20% | $0.01 |
| Affirm vs Openbank | 4.09% | $500 |
| Affirm vs SoFi Bank | 4.00% | $0 |
| Affirm vs Synchrony Bank | 3.50% | $0 |
| Affirm vs Varo Bank | 5.00% | $0 |
| Affirm vs Wealthfront | 4.20% | $0 |