Axos Bank vs. Bread Savings
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 10, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
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.
Axos Bank vs. Bread Savings Savings Calculator
Axos Bank earns $136.5 more than Bread Savings.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
Sponsored Link
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Axos Bank vs. Bread Savings
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (4.00%-4.31% vs 4.10%) on all balances
- ✓Offers 2 different high-yield savings options
Why Bread Savings?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $410/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $1025/yr).
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $21 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE account, providing a high APY of 4.31% when bundled with a checking account, which earns 0.51%. This account does not require direct deposit but setting one up is the easiest way to earn the highest APY. In contrast, Bread Savings features a High-Yield Savings Account with an APY of 4.10%, which is slightly lower than Axos Bank's offering. While both accounts are online-only, Axos Bank's product is particularly advantageous for those looking to maximize their returns through a bundled checking account.
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.
Top Market Contenders
See who beats both Axos Bank and Bread Savings.
| Feature | Axos Bank | Bread Savings |
|---|---|---|
| APY | 4.31% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change |
| Product Name | Axos ONE | High-Yield Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.7 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Bread Savings | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | High-Yield Savings Account | |
Current APY | 0.61% | 4.00% | 4.31% | 4.10% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -4.2 | -2.7 |
Days Since Change | 336 | 163 | 8 | 5 |
12-Month High | 0.61% | 4.00% | 4.86% | 4.60% |
12-Month Low | 0.61% | 4.00% | 4.31% | 4.10% |
Adjustments / Mo | 0.00 | 0.00 | 0.34 | 0.67 |
Volatility Score | 0.000 | 0.000 | 0.034 | 0.022 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Axos Bank vs...
Comparing against other Bundled Accounts
Compare Bread Savings vs...
Comparing against Standard Savings