Axos Bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Axos Bank vs. Wealthfront
Key Metrics at a Glance
| Feature | Axos Bank | Wealthfront |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Axos Bank
Strengths
- Axos Bank offers a higher APY of 4.51% with the Axos ONE account.
- Axos Bank has an A+ BBB rating and is BBB Accredited.
- Axos Bank has a solid App Store rating of 4.7.
Potential Drawbacks
- Axos Bank requires either direct deposits or qualifying monthly deposits to earn the highest APY.
Wealthfront
Strengths
- Wealthfront's Cash Account has a competitive APY of 4.15% for the first 3 months.
- Wealthfront has an excellent Google Play rating of 4.9.
Potential Drawbacks
- Wealthfront has an F BBB rating and is not BBB Accredited.
- After 3 months, Wealthfront's APY drops to 3.50%.
→ 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 Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Axos Bank yields $36 more than Wealthfront on a $10,000 balance after one year. Axos Bank pays $451, while Wealthfront pays $415 - 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 Wealthfront
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
Wealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $234.9 higher than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Axos Bank's vs Wealthfront's Savings Accounts
| Axos Bank | Wealthfront | ||||
|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | Cash Account |
| APY | 4.51% (as of 11/12/2025) | 4.00% (as of 11/12/2025) | 0.61% (as of 11/12/2025) | 3.50% - 4.15% (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 | $0 | |
| Minimum Balance for APY | $0 | $0 | $0 | $0 | |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | |||
| Sponsored Link | LEARN MORE at Axos Bank, Member FDIC | ||||
| App Store Rating | 4.7/5 | 4.8/5 | |||
| Google Play Rating | 4.5/5 | 4.9/5 | |||
| BBB Rating | A+ | F | |||
No historical data available.