Barclays vs. Bask Bank
Comparing Barclays and Bask Bank for high-yield savings: Barclays's Tiered Savings pays 3.75% APY while Bask Bank's Interest Savings Account pays 4.10% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bask Bank pays $45 more than Barclays annually ($410 vs $365).
Choose Barclays if BBB rating matters to you. Choose Bask Bank if getting the best rate matters most, or you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Jun 5, 2026 | Bask BankInterest Savings Account Jun 5, 2026 |
|---|---|---|
| APY | 3.65% - 3.75% | 4.10% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
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.
Executive Summary
Bask Bank offers a competitive Interest Savings Account with an APY of 4.10%, making it the winner in this comparison. This account has no minimum balance requirement and no direct deposit stipulations, providing simplicity for users. In contrast, Barclays features a Tiered Savings account that offers a 3.75% APY for balances over $250,000, with a lower APY of 3.65% for smaller balances. While Barclays also provides an Online Savings account with a 3.40% APY, it does not surpass Bask Bank's offering. Both banks are online-only and have no maintenance fees.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- ✓Offers 2 different high-yield savings options
Why Bask Bank?
- ✓Higher potential APY (4.10% vs 3.40%-3.75%) on all balances
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $410 vs $365/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $1025 vs $912/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $45 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Bask Bank Savings Calculator
You earn $45 more with Bask Bank than Barclays 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Barclays and Bask Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Bask Bank |
|---|---|---|
| APY | 3.75% Range: 3.65% - 3.75% Verified: 6/5/2026 ↘︎ 0.10%90d Change | 4.10% Verified: 6/5/2026 ↗︎ 3.85%90d Change |
| Product Name | Tiered Savings | Interest Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Available for Interest Checking; not for standalone savings. |
| BBB Rating | A+ | B |
| Important Notes | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| 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 | 3.40% | 3.75% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.8 | -3.7 | -28.1 |
Days Since Change | 30 | 51 | 17 |
12-Month High | 3.90% | 4.40% | 4.20% |
12-Month Low | 3.40% | 3.75% | 0.25% |
Adjustments / Mo | 0.49 | 0.49 | 0.58 |
Volatility Score | 0.028 | 0.034 | 0.560 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Barclays' APY of 3.75% with other banks
Compare Bask Bank's APY of 4.10% with other banks
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|---|---|---|
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