American Express vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
American Express
High Yield Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
American Express
High Yield Savings Account
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
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.
Comparison Analysis
Comparing American Express vs. Pibank
Why American Express?
- ✓Higher rated iOS app (4.9 vs 2.4)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $340/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $850/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
American ExpressAmerican Express offers an iOS app rated 4.9 (vs. 2.4) and Android app rated 3.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $120 more interest on a $10,000 balance than American Express's High Yield Savings Account.
Executive Summary
Pibank offers a superior savings option with its Pibank Savings account, providing a competitive APY of 4.60%, significantly higher than American Express's High Yield Savings Account, which yields 3.40%. Both accounts require no minimum deposit and have no maintenance fees, making them accessible. However, Pibank's account stands out for its simplicity, as it has no direct deposit requirement and is designed for online access only. In contrast, American Express is noted for its excellent mobile app experience, with high ratings on both iOS and Android. Overall, Pibank is the clear winner in terms of APY.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | American Express | Pibank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.60% Verified: 12/6/2025 Stable (90d) |
| Product Name | High Yield 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 | iOS4.9 Android3.6 | iOS2.4 Android1.7 |
| BBB Rating | F | A |
| Next Steps |
Savings Comparison
Pibank earns $775.3 more than American Express.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Pibank |
|---|---|---|
| High Yield Savings Account | Pibank Savings | |
Current APY | 3.40% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | -0.0 |
Days Since Change | 10 | 295 |
10-Month High | 3.80% | 4.60% |
10-Month Low | 3.40% | 4.60% |
Adjustments / Mo | 0.41 | 0.00 |
Volatility Score | 0.027 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare American Express vs...
Comparing against Standard Savings
Compare Pibank vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.