Axos Bank vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Axos Bank vs. GO2bank
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
Why GO2bank?
- ✓Higher potential APY (4.50% vs 4.00%-4.31%) on balances up to $5,000 (requires checking bundle)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $225/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1077 vs $225/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $206 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
Axos Bank offers the Axos ONE savings account with a competitive APY of 4.31%, available through a checking and savings bundle that requires either a direct deposit of $1,500 or $5,000 in monthly qualifying deposits. Alternatively, the Summit Savings account provides a slightly lower APY of 4.00% without any bundling or direct deposit requirements. In contrast, GO2bank features a High Yield Savings account with a higher APY of 4.50%, but it requires a GO2bank checking account and limits interest-earning to balances up to $5,000. Overall, while Axos Bank provides good options, GO2bank's High Yield Savings account stands out for its higher APY, albeit with restrictions.
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
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| Feature | Axos Bank | GO2bank |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.50% 0Verified: 12/6/2025 Stable (90d) |
| Product Name | Axos ONE | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.8 Android4.5 |
| BBB Rating | A+ | Not Rated |
| 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. | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Axos Bank earns $1,405 more than GO2bank.
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
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | GO2bank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | High Yield Savings | |
Current APY | 0.61% | 4.00% | 4.31% | 4.50% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | 0.5 | 0.0 |
Days Since Change | 121 | 121 | 4 | 121 |
4-Month High | 0.61% | 4.00% | 4.51% | 4.50% |
4-Month Low | 0.61% | 4.00% | 4.31% | 4.50% |
Adjustments / Mo | 0.00 | 0.00 | 0.49 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.010 | 0.000 |
How to read these metrics(Click to expand)
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