Barclays vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 6, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
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.
Comparison Analysis
Comparing Barclays vs. Citizens Access™
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.35%) on all balances
- ✓Offers 2 different high-yield savings options
Why Citizens Access™?
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 $335/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $838/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 $50 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Barclays offers a competitive savings option with its Tiered Savings account, providing a top APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. For those seeking simplicity, the Online Savings account yields a steady 3.60% APY with no minimum balance or direct deposit requirements. In comparison, Citizens Access™ features a Citizens Access® Savings account with a lower APY of 3.35%, also requiring no minimum balance or direct deposit. Overall, Barclays stands out with its higher APY offerings.
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.
Top Market Contenders
See who beats both Barclays and Citizens Access™.
| Feature | Barclays | Citizens Access™ |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change |
| Product Name | Tiered Savings | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $250,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.8 Android4.8 |
| 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 |
Savings Comparison
Barclays earns $319.2 more than Citizens Access™.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Citizens Access™ | |
|---|---|---|---|
| Online Savings | Tiered Savings | Citizens Access® Savings | |
Current APY | 3.60% | 4.00% | 3.35% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -4.3 | -3.8 |
Days Since Change | 10 | 17 | 37 |
10-Month High | 3.90% | 4.50% | 3.70% |
10-Month Low | 3.60% | 4.00% | 3.35% |
Adjustments / Mo | 0.48 | 0.67 | 0.19 |
Volatility Score | 0.024 | 0.035 | 0.037 |
How to read these metrics(Click to expand)
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