Axos Bank vs. Pibank
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
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 Axos Bank vs. Pibank
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher rated iOS app (4.7 vs 2.4)
- ✓Higher rated Android app (4.6 vs 1.7)
- ✓Offers 2 different high-yield savings options
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.00%-4.31%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $431/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1077/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 2.4) and Android app rated 4.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $29 more interest on a $10,000 balance than Axos Bank's Axos ONE.
Executive Summary
Pibank offers a competitive Pibank Savings account with a 4.60% APY, making it the standout product compared to Axos Bank's Axos ONE, which provides a 4.31% APY but requires a checking account bundle and certain deposit conditions to achieve the highest rate. While Axos ONE's checking account earns 0.51% APY, it is more complex due to eligibility requirements, whereas Pibank's offering is straightforward with no direct deposit or bundling needed. Both banks provide online-only services and have no maintenance fees, but Pibank's simplicity and higher APY make it a more attractive option for savers.
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 | Axos Bank | Pibank |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.60% Verified: 12/6/2025 Stable (90d) |
| Product Name | Axos ONE | 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 | Yes | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS2.4 Android1.7 |
| 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 |
Savings Comparison
Pibank earns $189.9 more than Axos Bank.
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
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 | Axos Bank | Pibank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Pibank Savings | |
Current APY | 0.61% | 4.00% | 4.31% | 4.60% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -4.1 | -0.0 |
Days Since Change | 295 | 159 | 4 | 295 |
10-Month High | 0.61% | 4.00% | 4.86% | 4.60% |
10-Month Low | 0.61% | 4.00% | 4.31% | 4.60% |
Adjustments / Mo | 0.00 | 0.00 | 0.41 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.030 | 0.000 |
How to read these metrics(Click to expand)
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