Barclays vs. Bask Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | Bask BankInterest Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.75% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Bask Bank's 3.75% APY for its Interest Savings Account, with a minimum balance of $0.
Barclays pays $10 more than Bask Bank on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Bask Bank pays $375 - an APY advantage for Barclays.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.75%) on all balances
- ✓Offers 2 different high-yield savings options
Why Bask Bank?
- ✓Fast transfers via Zelle®
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $10 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Barclays offers a Tiered Savings account with a competitive APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. Alternatively, their Online Savings account provides a 3.60% APY. In comparison, Bask Bank features an Interest Savings Account with an APY of 3.75%. Both banks' products are online-only and do not require direct deposit. However, Barclays' Tiered Savings account stands out with a higher APY for larger balances, making it the preferred choice for those with significant savings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Barclays vs. Bask Bank Savings Calculator
You earn $10 more with Barclays than Bask 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.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | Bask Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.75% Verified: 1/21/2026 ↘︎ 0.30%90d Change |
| Product Name | Tiered Savings | Interest Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.7 Android4.7 |
| Zelle® Support | Not Supported | Available Available for Interest Checking; not for standalone savings. |
| BBB Rating | A+ | B |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Bask Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Bask Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Interest Savings Account | |
Current APY | 3.60% | 4.00% | 3.75% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.1 | -5.3 |
Days Since Change | 56 | 63 | 33 |
12-Month High | 4.00% | 4.50% | 4.50% |
12-Month Low | 3.60% | 4.00% | 3.75% |
Adjustments / Mo | 0.49 | 0.58 | 0.49 |
Volatility Score | 0.028 | 0.038 | 0.049 |
How to read these metrics(Click to expand)
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