Axos Bank vs. Pibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Axos Bank vs. Pibank
Key Metrics at a Glance
| Feature | Axos Bank | Pibank |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 4.60% Pibank Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | This APY is only available with the Axos ONE savings and checking bundle. 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. |
Axos Bank
Strengths
- Axos Bank offers an APY of 4.51%, up from 4.46% 30 days ago.
- Axos Bank has an A+ BBB rating and is BBB Accredited.
- Axos Bank has a higher App Store rating of 4.7 compared to Pibank's 2.4.
Potential Drawbacks
- Axos Bank's highest APY requires maintaining a balance or setting up a direct deposit.
Pibank
Strengths
- Pibank offers a competitive APY of 4.60%, unchanged from 30 days ago.
Potential Drawbacks
- Pibank has a lower BBB rating of A and is not BBB Accredited.
- Pibank's App Store rating is significantly lower at 2.4, and Google Play rating is only 1.7.
Summary: Axos Bank provides a slightly lower APY of 4.51% compared to Pibank's 4.60%. However, Axos boasts a better BBB rating (A+) and higher app ratings, indicating stronger customer satisfaction. Pibank's ratings are notably low, which may concern potential customers despite its competitive APY. Both banks lack physical branches and have no maintenance fees.
→ As of October 21, 2025 Axos Bank offers an APY of 4.51% for its Axos ONE 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 yields $9 more than Axos Bank on a $10,000 balance after one year. Axos Bank pays $451, while Pibank pays $460 - an APY advantage for Pibank.
→ In addition, Axos Bank also offers 4.00% APY for the Summit Savings account.
Calculate Savings Growth for Axos Bank vs Pibank
All calculations are based on APY.
Axos Bank - Axos ONE
Top APY: 4.51%
Total savings breakdown:
- Interest earned: $2,766.7 (13.32%)
- Total contributions: $13,000 (62.60%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,766.70
Effective APY: 4.51% (based on your deposit and contributions)
Total balance: $20,766.7
Earnings: $2,766.7
Pibank - Pibank Savings
Top APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $59.1 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Axos Bank's vs Pibank's Savings Accounts
| Axos Bank | Pibank | ||||
|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | Pibank Savings |
| APY | 4.51% (as of 10/21/2025) | 4.00% (as of 10/21/2025) | 0.61% (as of 10/21/2025) | 4.60% (as of 10/21/2025) | |
| Bundled Account | Yes | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No. Not required, but is the easiest way to earn the highest APY. | No | No | No | |
| Note | This APY is only available with the Axos ONE savings and checking bundle. 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. | ||||
| Sponsored Link | LEARN MORE at Axos Bank, Member FDIC | ||||
| App Store Rating | 4.7/5 | 2.4/5 | |||
| Google Play Rating | 4.5/5 | 1.7/5 | |||
| BBB Rating | A+ | A | |||
Comparative Historical APY Insights (Last 8 Months)
| Axos Bank | Pibank | ||||
|---|---|---|---|---|---|
| Product | High Yield Savings | Summit Savings | Axos ONE | vs | Pibank Savings |
| Latest APY | 0.61 % | 4.00 % | 4.51 % | 4.60 % | |
| Trend | Sideways | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -0.0 | 0.0 | -5.0 | -0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.36 | 0.00 | |
| Days Since Last Change | 249 | 113 | 18 | 249 | |
| High (-8 m) | 0.61 % | 4.00 % | 4.86 % | 4.60 % | |
| Low (-8 m) | 0.61 % | 4.00 % | 4.46 % | 4.60 % | |
| Draw-down from High | 0.0 % | 0.0 % | -7.2 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.029 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 249 days.
- Low (-8 m)
- Lowest APY in the last 249 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Axos Bank's APY of 4.51% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs Elevault | 4.34% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FNBO Direct | 3.00% | $1 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.20% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1,000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 0.05% | $25 |
| Pibank vs Zynlo Bank | 4.20% | $10 |