Barclays vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 17, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Capital One
360 Performance Savings
3.40%APYDec 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Comparison Analysis
Comparing Barclays vs. Capital One
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Capital One's 3.40% APY for its 360 Performance Savings account, with a minimum balance of $0.
Barclays pays $45 more than Capital One on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Capital One pays $340 - 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 3.40%) on all balances
- ✓Offers 2 different high-yield savings options
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $340/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $850/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $45 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Barclays offers a competitive Tiered Savings account with a 4.00% APY for balances over $250,000, while lower balances earn 3.85%. This account is online-only and has no maintenance fees or direct deposit requirements. For those seeking simplicity, Barclays also provides an Online Savings account with a 3.60% APY, which has no minimum balance requirements. In comparison, Capital One's 360 Performance Savings account offers a lower APY of 3.40% and is available for any balance, but it does not match the higher yields provided by Barclays. Overall, Barclays stands out as the winner based on the highest APY available.
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.
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. Capital One Savings Calculator
You earn $45 more with Barclays than Capital One 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
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Barclays and Capital One.
| Feature | Barclays | Capital One |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/17/2025 ↘︎ 0.10%90d Change | 3.40% Verified: 12/17/2025 ↘︎ 0.10%90d Change |
| Product Name | Tiered Savings | 360 Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.9 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 | Capital One | |
|---|---|---|---|
| Online Savings | Tiered Savings | 360 Performance Savings | |
Current APY | 3.60% | 4.00% | 3.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.3 | -3.5 |
Days Since Change | 22 | 29 | 78 |
11-Month High | 4.00% | 4.50% | 3.80% |
11-Month Low | 3.60% | 4.00% | 3.40% |
Adjustments / Mo | 0.55 | 0.64 | 0.36 |
Volatility Score | 0.026 | 0.037 | 0.034 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Barclays vs...
Comparing against Standard Savings
Compare Capital One vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.