Barclays vs Capital One
High-Yield Savings Accounts Comparison
Last Updated: September 18, 2025
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Summary of Barclays vs. Capital One
As of September 18, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to Capital One's 3.50% APY for its 360 Performance Savings account, with a minimum balance of $0.
Barclays yields $40 more than Capital One on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Capital One pays $350 - an APY advantage for Barclays.
In addition, Barclays also offers 3.70% APY for the Online Savings account.
Barclays
Strengths
- Barclays offers a high APY of 4.10% for Tiered Savings with a balance over $250,000.
- Barclays has a strong App Store rating of 4.8.
- Barclays has no maintenance fees for its accounts.
Potential Drawbacks
- Barclays has no physical branches.
- Barclays requires a $250,000 balance to earn the highest APY.
- Barclays' lower APY is 3.90%, which is higher than Capital One's.
Capital One
Strengths
- Capital One has over 200 physical branches across several states.
- Capital One's App Store rating is 4.9, the highest among the two banks.
- Capital One has no minimum balance requirement for its 360 Performance Savings account.
Potential Drawbacks
- Capital One's highest APY is 3.5%, lower than Barclays' 4.10%.
- Capital One's lower APY is not applicable, remaining at 3.5%.
- Capital One's Google Play rating is lower at 4.5 compared to Barclays.
Summary: Barclays offers a significantly higher APY of 4.10% for its Tiered Savings account, but requires a $250,000 balance. In contrast, Capital One provides a more accessible 3.5% APY with no minimum balance and has physical branches, enhancing customer access. Both banks have strong BBB ratings, but Barclays excels in mobile app ratings.
Compare Barclays' vs Capital One's Savings Accounts
| Barclays | Capital One | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | 360 Performance Savings |
| APY | 3.90% - 4.10% (as of 9/18/2025) | 3.70% (as of 9/18/2025) | 3.50% (as of 9/18/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.8/5 | 4.9/5 | ||
| Google Play Rating | 4.7/5 | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Barclays | Capital One | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | 360 Performance Savings |
| Latest APY | 3.70 % | 4.10 % | 3.50 % | |
| Trend | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -3.6 | -6.1 | -3.8 | |
| Rate Changes / Mo | 0.63 | 0.75 | 0.38 | |
| Days Since Last Change | 100 | 92 | 84 | |
| High (-8 m) | 4.00 % | 4.50 % | 3.80 % | |
| Low (-8 m) | 3.70 % | 4.10 % | 3.50 % | |
| Draw-down from High | -7.5 % | -8.9 % | -7.9 % | |
| Volatility (CV) | 0.024 | 0.035 | 0.026 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 239 days.
- Low (-8 m)
- Lowest APY in the last 239 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Barclays vs Capital One
All calculations are based on APY.
Barclays
APY: 4.10%
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Effective APY: 3.90% (based on your deposit and contributions)
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewCapital One
APY: 3.50%
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $256.1 higher than Capital One's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $0 |
| Barclays vs American Express | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs BrioDirect | 4.30% | $5,000 |
| Barclays vs Chase Bank | 0.01% | $0 |
| Barclays vs Chime | 3.75% | $0 |
| Barclays vs CIT Bank | 4.00% | $100 |
| Barclays vs Discover Bank | 3.50% | $0 |
| Barclays vs Elevault | 4.60% | $0 |
| Barclays vs EverBank | 4.30% | $0 |
| Barclays vs Fitness Bank | 4.75% | $100 |
| Barclays vs FVCbank | 4.35% | $500 |
| Barclays vs GO2bank | 4.50% | $0 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs Neighbors Bank | 4.60% | $0 |
| Barclays vs Newtek Bank | 4.35% | $0 |
| Barclays vs Peak Bank | 4.35% | $100 |
| Barclays vs Pibank | 4.60% | $0 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs Santander Bank | 0.03% | $25 |
| Barclays vs SoFi Bank | 4.50% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs TIMBR | 4.40% | $1,000 |
| Barclays vs UFB Direct | 4.10% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
| Barclays vs Zynlo Bank | 4.35% | $10 |
Compare Capital One's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.46% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs BrioDirect | 4.30% | $5,000 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.50% | $0 |
| Capital One vs Elevault | 4.60% | $0 |
| Capital One vs EverBank | 4.30% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.35% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Neighbors Bank | 4.60% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.35% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs Santander Bank | 0.03% | $25 |
| Capital One vs SoFi Bank | 4.50% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs UFB Direct | 4.10% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 2.51% | $25 |
| Capital One vs Zynlo Bank | 4.35% | $10 |