Barclays vs. Chase Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 18, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Chase Bank
Chase Savings℠
0.01%APYDec 18, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
Comparison Analysis
Comparing Barclays vs. Chase Bank
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account, with a minimum balance of $0.
Barclays pays $384 more than Chase Bank on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Chase Bank pays $1 - 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 0.01%) on all balances
- ✓No checking account or direct deposit required
- ✓Offers 2 different high-yield savings options
Why Chase Bank?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $1/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $3/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 $384 more interest on a $10,000 balance than Chase Bank's Chase 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. In contrast, Chase Bank's savings account provides a significantly lower APY of 0.01%, with a $5 monthly maintenance fee that can be waived under certain conditions. Given the substantial difference in APYs, Barclays is the clear winner for those with higher savings. For simplicity, Barclays also offers an Online Savings account at 3.60% APY without any bundling or direct deposit requirements.
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. Chase Bank Savings Calculator
You earn $384 more with Barclays than Chase Bank 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
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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 Chase Bank.
| Feature | Barclays | Chase Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/18/2025 ↘︎ 0.10%90d Change | 0.01% Verified: 12/18/2025 Stable (90d) |
| Product Name | Tiered Savings | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $5 |
| 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 | iOS4.8 Android4.6 |
| 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%. | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Chase Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Chase Savings℠ | |
Current APY | 3.60% | 4.00% | 0.01% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -4.3 | -0.0 |
Days Since Change | 22 | 29 | 323 |
11-Month High | 3.90% | 4.50% | 0.01% |
11-Month Low | 3.60% | 4.00% | 0.01% |
Adjustments / Mo | 0.46 | 0.65 | 0.00 |
Volatility Score | 0.025 | 0.036 | 0.000 |
How to read these metrics(Click to expand)
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