Barclays vs. Citizens Access™
Comparing Barclays and Citizens Access™ for high-yield savings: Barclays's Tiered Savings pays 3.75% APY while Citizens Access™'s Citizens Access® Savings pays 3.15% 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 Citizens Access™ annually ($365 vs $315).
Choose Barclays if getting the best rate matters most.
| Metric | BarclaysTiered Savings Apr 21, 2026 | Citizens Access™Citizens Access® Savings Apr 6, 2026 |
|---|---|---|
| APY | 3.65% - 3.75% | 3.15% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.07% APY.
Comparison Analysis
Comparing Barclays vs. Citizens Access™
Executive Summary
Barclays offers a competitive Tiered Savings account with an APY of 3.75% for balances over $250,000, while lower balances earn 3.65%. This account is online-only and does not require direct deposit. In comparison, Citizens Access™ provides a Citizens Access® Savings account with a consistent APY of 3.15%, also online-only and with no minimum balance requirements or direct deposit conditions. While Barclays's Tiered Savings account yields a higher APY, Citizens Access™ is noted for its simplicity, making it a viable option for those seeking easier access without balance restrictions.
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 (3.75% vs 3.15%) on all balances
Why Citizens Access™?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $365 vs $315/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $912 vs $788/yr).
Best for Simplicity
Citizens Access™Citizens Access™'s Citizens Access® Savings offers 3.15% 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.
*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. Citizens Access™ Savings Calculator
You earn $50 more with Barclays than Citizens Access™ 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
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 $314 per year in interest.
Both Barclays and Citizens Access™ dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Citizens Access™ |
|---|---|---|
| APY | 3.75% Range: 3.65% - 3.75% Verified: 4/21/2026 ↘︎ 0.25%90d Change | 3.15% Verified: 4/6/2026 Stable (90d) |
| Product Name | Tiered Savings | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $250,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Citizens Access™ | |
|---|---|---|---|
| Tiered Savings | Online Savings | Citizens Access® Savings | |
Current APY | 3.75% | 3.50% | 3.15% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.4 | -6.4 |
Days Since Change | -9 | 45 | 117 |
12-Month High | 4.40% | 3.90% | 3.70% |
12-Month Low | 3.75% | 3.50% | 3.15% |
Adjustments / Mo | 0.66 | 0.49 | 0.25 |
Volatility Score | 0.034 | 0.024 | 0.062 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Barclays' APY of 3.75% with other banks
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.10% | $0 |
| Citizens Access™ vs American Express | 3.20% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Capital One | 3.20% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.50% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.00% | $500 |
| Citizens Access™ vs Pibank | 4.40% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.40% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |