Ally Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ally BankSavings Account Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.60% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
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.
As of Ally Bank offers an APY of 3.30% for its Savings Account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $130 more than Ally Bank on a $10,000 balance after one year. Ally Bank pays $330, while Pibank pays $460 - an APY advantage for Pibank.
Why Ally Bank?
- ✓Higher rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.4 vs 1.7)
- ✓Fast transfers via Zelle® (up to $5,000 a day)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $330/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $825/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Ally BankAlly Bank offers an iOS app rated 4.7 (vs. 2.3) and Android app rated 4.4 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $130 more interest on a $10,000 balance than Ally Bank's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a competitive savings account with an APY of 4.60%, making it the clear winner compared to Ally Bank's 3.30% APY on its savings account. Both accounts have no minimum deposit or maintenance fees and are available online only. Pibank's account is noted for providing better returns on various deposit amounts, making it a strong choice for savers. Ally Bank, while offering a solid mobile app experience, falls short in terms of interest rates. Neither bank requires direct deposit to open an account.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Ally Bank vs. Pibank Savings Calculator
You earn $130 more with Pibank than Ally Bank 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.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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.
| Feature | Ally Bank | Pibank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS2.3 Android1.7 |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Pibank |
|---|---|---|
| Savings Account | Pibank Savings | |
Current APY | 3.30% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.0 | 0.0 |
Days Since Change | 82 | 341 |
11-Month High | 3.70% | 4.60% |
11-Month Low | 3.30% | 4.60% |
Adjustments / Mo | 0.35 | 0.00 |
Volatility Score | 0.040 | 0.000 |
How to read these metrics(Click to expand)
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