Barclays vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | BrioDirectHigh-Yield 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 | $5,000 |
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 InsuredMod. MinimumGreat 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.
Comparison Analysis
Comparing Barclays vs. BrioDirect
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to BrioDirect's 3.75% APY for its High-Yield Savings Account, with a minimum balance of $25.
Barclays pays $10 more than BrioDirect on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while BrioDirect 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
- ✓Higher rated Android app (4.7 vs 4.4)
- ✓Offers 2 different high-yield savings options
Why BrioDirect?
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.7 (vs. 4.4)
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $10 more interest on a $10,000 balance than BrioDirect's High-Yield 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%. In comparison, BrioDirect's High-Yield Savings Account provides an APY of 3.75%. Both banks feature online-only products with no maintenance fees and no direct deposit requirements. However, Barclays stands out with a higher APY for larger deposits. Additionally, Barclays is noted for its excellent mobile app experience, rated 4.9 on iOS and 4.7 on Android.
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
Top Market Contenders
Barclays vs. BrioDirect Savings Calculator
You earn $10 more with Barclays than BrioDirect 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
BrioDirect
High-Yield 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 | BrioDirect |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.75% Verified: 1/21/2026 ↘︎ 0.45%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 Android4.4 |
| Zelle® Support | Not Supported | Available Accessed via the Webster Bank mobile app. |
| 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 BrioDirect Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | BrioDirect | |
|---|---|---|---|
| Online Savings | Tiered Savings | High-Yield Savings Account | |
Current APY | 3.60% | 4.00% | 3.75% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.1 | -6.5 |
Days Since Change | 56 | 63 | 40 |
12-Month High | 4.00% | 4.50% | 4.55% |
12-Month Low | 3.60% | 4.00% | 3.75% |
Adjustments / Mo | 0.49 | 0.58 | 0.58 |
Volatility Score | 0.028 | 0.038 | 0.060 |
How to read these metrics(Click to expand)
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