Axos Bank vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | GO2bankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 0.00% - 4.50% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$225 $10,000+$225 $25,000+$225 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle |
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
Axos Bank pays $206 more than GO2bank on a $10,000 balance after one year. Axos Bank pays $431, while GO2bank pays $225 (with an effective APY of 2.25%) - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0.
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 3.75%-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. $1078 vs $225/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% 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.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
GO2bank offers the highest APY with its High Yield Savings account at 4.50%, although it requires a GO2bank checking account to open. This account is capped at $5,000, meaning balances above that earn no interest. In comparison, Axos Bank's Axos ONE savings account provides a competitive APY of 4.31% when bundled with their checking account, which earns 0.51% APY. While direct deposit is not required for Axos ONE, it simplifies the process to earn the highest APY. Additionally, Axos Bank has a Summit Savings account with a lower APY of 3.75% that does not require a checking account or direct deposit.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Axos Bank vs. GO2bank Savings Calculator
You earn $206 more with Axos Bank than GO2bank 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.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$225.00(2.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,225.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | GO2bank |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.50% 0Verified: 1/21/2026 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. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.5 |
| Zelle® Support | Not Supported | Not Supported |
| 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 | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at GO2bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | GO2bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | High Yield Savings | |
Current APY | 3.75% | 4.31% | 0.61% | 4.50% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -5.4 | -3.6 | -0.0 | 0.0 |
Days Since Change | 41 | 50 | 167 | 167 |
6-Month High | 4.00% | 4.51% | 0.61% | 4.50% |
6-Month Low | 3.75% | 4.31% | 0.61% | 4.50% |
Adjustments / Mo | 0.18 | 0.36 | 0.00 | 0.00 |
Volatility Score | 0.029 | 0.020 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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