Axos Bank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Axos Bank vs. Vio Bank
Key Metrics at a Glance
| Feature | Axos Bank | Vio Bank |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
| 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 a higher APY of 4.51% compared to Vio Bank's 4.21%.
- Axos Bank has a better App Store rating of 4.7 versus Vio Bank's 4.6.
- Both banks are BBB Accredited with an A+ rating.
Potential Drawbacks
- Axos Bank requires a minimum deposit of $0 for its highest APY account.
- Axos Bank's Google Play rating is 4.5, higher than Vio Bank's 3.3, but still lower than its App Store rating.
Vio Bank
Strengths
- Vio Bank has no minimum balance requirement for its savings account.
- Vio Bank's maintenance fee is $0 if electronic statements are selected.
Potential Drawbacks
- Vio Bank's APY of 4.21% is lower than Axos Bank's 4.51%.
- Vio Bank has a lower Google Play rating of 3.3 compared to Axos Bank's 4.5.
→ As of November 12, 2025 Axos Bank offers an APY of 4.51% for its Axos ONE account, with a minimum balance of $0, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Axos Bank yields $30 more than Vio Bank on a $10,000 balance after one year. Axos Bank pays $451, while Vio Bank pays $421 - an APY advantage for Axos Bank.
→ In addition, Axos Bank also offers 4.00% APY for the Summit Savings account.
Calculate Savings Growth for Axos Bank vs Vio Bank
Axos Bank - Axos ONE
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
Total balance: $20,766.7
Earnings: $2,766.7
Vio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $195.9 higher than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Axos Bank's vs Vio Bank's Savings Accounts
| Axos Bank | Vio Bank | ||||
|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | Online Savings Account |
| APY | 4.51% (as of 11/12/2025) | 4.00% (as of 11/12/2025) | 0.61% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| 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 | $100 | |
| Minimum Balance for APY | $0 | $0 | $0 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0, if electronic statements selected, otherwise $5 | |
| 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 | 4.6/5 | |||
| Google Play Rating | 4.5/5 | 3.3/5 | |||
| BBB Rating | A+ | A+ | |||
No historical data available.