Barclays vs. Chase Bank
Comparing Barclays and Chase Bank for savings: Barclays's Tiered Savings pays 4.00% APY while Chase Bank's Chase Savings℠ pays 0.01% 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 $384 more than Chase Bank annually ($385 vs $1).
Choose Barclays if getting the best rate matters most. Choose Chase Bank if you value in-person banking, or you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Feb 6, 2026 | Chase BankChase Savings℠ Feb 6, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 0.01% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $0 | $0 |
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%. | 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. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
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. Chase Bank
Executive Summary
Barclays offers a competitive Tiered Savings account with a notable APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. This account is online-only and does not require direct deposit. Alternatively, their Online Savings account provides a simpler option with a 3.60% APY and no minimum balance requirements. In contrast, Chase Bank's savings account features a significantly lower APY of just 0.01%, with a maintenance fee that can be waived under certain conditions. Overall, Barclays stands out with higher yields, making it the more attractive choice for savers.
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 (3.60%-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?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
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.
| Feature | Barclays | Chase Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 2/6/2026 ↘︎ 0.10%90d Change | 0.01% Verified: 2/6/2026 Stable (90d) |
| Product Name | Tiered Savings | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $5 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| 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 | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
📈 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 | -3.8 | -0.0 |
Days Since Change | 72 | 79 | 365 |
12-Month High | 3.90% | 4.50% | 0.01% |
12-Month Low | 3.60% | 4.00% | 0.01% |
Adjustments / Mo | 0.41 | 0.58 | 0.00 |
Volatility Score | 0.027 | 0.035 | 0.000 |
How to read these metrics(Click to expand)
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