Barclays vs. Bread Savings
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 10, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Barclays vs. Bread Savings Savings Calculator
Bread Savings earns $161.4 more than Barclays.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Barclays vs. Bread Savings
Why Barclays?
- ✓Offers 2 different high-yield savings options
Why Bread Savings?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $0/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $0/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.7 (vs. 4.5)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $25 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.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner in this comparison. This account requires a minimum deposit of $100 and has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Barclays features a Tiered Savings account with an APY of 4.00% for balances over $250,000, and a lower APY of 3.85% for smaller balances. While Barclays has a strong mobile app experience, Bread Savings stands out for its simplicity and better returns at lower deposit thresholds.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Barclays and Bread Savings.
| Feature | Barclays | Bread Savings |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/10/2025 ↘︎ 0.10%90d Change | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change |
| Product Name | Tiered Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $100 |
| 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 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Bread Savings | |
|---|---|---|---|
| Online Savings | Tiered Savings | High-Yield Savings Account | |
Current APY | 3.60% | 4.00% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.4 | -2.6 |
Days Since Change | 14 | 21 | 5 |
11-Month High | 4.00% | 4.50% | 4.40% |
11-Month Low | 3.60% | 4.00% | 4.10% |
Adjustments / Mo | 0.56 | 0.65 | 0.56 |
Volatility Score | 0.025 | 0.036 | 0.020 |
How to read these metrics(Click to expand)
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