Barclays vs. Capital One
Comparing Barclays and Capital One for high-yield savings: Barclays's Tiered Savings pays 3.85% APY while Capital One's 360 Performance Savings pays 3.20% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Barclays pays $50 more than Capital One annually ($370 vs $320).
Choose Barclays if getting the best rate matters most. Choose Capital One if you value in-person banking, or you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Mar 24, 2026 | Capital One360 Performance Savings Mar 24, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 3.20% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$160 $10,000+$320 $25,000+$800 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Barclays vs. Capital One
Executive Summary
Barclays offers a Tiered Savings account with a competitive APY of 3.85% for balances over $250,000, while lower balances earn 3.70%. This account is online-only and has no maintenance fees. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.20% but is accessible with no minimum balance requirement and also has no maintenance fees. Both banks do not require direct deposit, making them flexible options for savers. Overall, Barclays is the winner due to its higher APY for larger balances.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- ✓Higher potential APY (3.85% vs 3.20%) on all balances
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $370 vs $320/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $925 vs $800/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $50 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Capital One Savings Calculator
You earn $50 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+$370.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,370.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Barclays and Capital One dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Capital One |
|---|---|---|
| APY | 3.85% Range: 3.70% - 3.85% Verified: 3/24/2026 ↘︎ 0.15%90d Change | 3.20% Verified: 3/24/2026 ↘︎ 0.20%90d Change |
| Product Name | Tiered Savings | 360 Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A+ | A+ |
| Important Notes | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Capital One | |
|---|---|---|---|
| Tiered Savings | Online Savings | 360 Performance Savings | |
Current APY | 3.85% | 3.50% | 3.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.6 | -3.3 |
Days Since Change | 32 | 32 | 12 |
12-Month High | 4.40% | 3.90% | 3.70% |
12-Month Low | 3.85% | 3.50% | 3.20% |
Adjustments / Mo | 0.58 | 0.49 | 0.41 |
Volatility Score | 0.033 | 0.026 | 0.036 |
How to read these metrics(Click to expand)
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