Barclays vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 6, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
BrioDirect
High-Yield Savings Account
4.00%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
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.
Comparison Analysis
Comparing Barclays vs. BrioDirect
Why Barclays?
- ✓Higher rated Android app (4.7 vs 4.3)
- ✓Offers 2 different high-yield savings options
Why BrioDirect?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $385/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $963/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% 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. 4.3)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $15 more interest on a $10,000 balance than Barclays's Tiered Savings.
Executive Summary
Barclays and BrioDirect both offer competitive savings accounts, with BrioDirect's High-Yield Savings Account leading with a 4.00% APY, which is ideal for simplicity as it has no direct deposit requirement or caps. Barclays provides a Tiered Savings account with a 4.00% APY, but this rate is only available for balances over $250,000; lower balances earn 3.85%. Both banks are online-only and have no maintenance fees, but BrioDirect requires a minimum deposit of $5,000, while Barclays has no minimum deposit requirement for its Online Savings account. Overall, BrioDirect's offering is more accessible for smaller balances.
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 BrioDirect.
| Feature | Barclays | BrioDirect |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | Tiered Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $250,000 | $25 |
| 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 Android4.3 |
| 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 |
Savings Comparison
BrioDirect earns $96.7 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
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | BrioDirect | |
|---|---|---|---|
| Online Savings | Tiered Savings | High-Yield Savings Account | |
Current APY | 3.60% | 4.00% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -4.4 | -5.0 |
Days Since Change | 10 | 17 | 36 |
10-Month High | 4.00% | 4.50% | 4.55% |
10-Month Low | 3.60% | 4.00% | 4.00% |
Adjustments / Mo | 0.57 | 0.66 | 0.57 |
Volatility Score | 0.025 | 0.036 | 0.040 |
How to read these metrics(Click to expand)
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