Axos Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 4.60% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo Minimums |
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.
As of Axos Bank offers an APY of 4.31% 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 pays $29 more than Axos Bank on a $10,000 balance after one year. Axos Bank pays $431, while Pibank pays $460 - an APY advantage for Pibank.
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
- ✓Higher rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.5 vs 1.7)
- ✓Offers 2 different high-yield savings options
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.75%-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 $1078/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. 2.3) and Android app rated 4.5 (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.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a competitive savings option with its Pibank Savings account, providing a 4.60% APY with no direct deposit requirement or minimum balance, making it an attractive choice for savers. In comparison, Axos Bank's Axos ONE account features a lower APY of 4.31%, but it requires bundling with a checking account that earns 0.51% APY and meeting certain deposit criteria to qualify for the higher rate. While both banks are online-only, Pibank stands out for its simplicity and higher returns without the need for additional conditions.
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. Pibank Savings Calculator
You earn $29 more with Pibank than Axos Bank 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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Pibank |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.60% Verified: 1/21/2026 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. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS2.3 Android1.7 |
| Zelle® Support | Not Supported | Not Supported |
| 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 | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Pibank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Pibank Savings | |
Current APY | 3.75% | 4.31% | 0.61% | 4.60% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.6 | -0.0 | 0.0 |
Days Since Change | 41 | 50 | 341 | 341 |
11-Month High | 4.00% | 4.86% | 0.61% | 4.60% |
11-Month Low | 3.75% | 4.31% | 0.61% | 4.60% |
Adjustments / Mo | 0.09 | 0.35 | 0.00 | 0.00 |
Volatility Score | 0.027 | 0.037 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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