Barclays vs. E*TRADE from Morgan Stanley
Comparing Barclays and E*TRADE from Morgan Stanley for high-yield savings: Barclays's Tiered Savings pays 4.00% APY while E*TRADE from Morgan Stanley's Premium Savings Account pays 3.35% 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 E*TRADE from Morgan Stanley annually ($385 vs $335).
Choose Barclays if getting the best rate matters most, or BBB rating matters to you. Choose E*TRADE from Morgan Stanley if you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Feb 6, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Feb 6, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.35% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$168 $10,000+$335 $25,000+$838 |
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%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily 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 4.15% APY.
Comparison Analysis
Comparing Barclays vs. E*TRADE from Morgan Stanley
Executive Summary
Barclays offers a competitive Tiered Savings account with a 4.00% APY for balances over $250,000, making it the standout choice compared to E*TRADE's Premium Savings Account, which provides a lower APY of 3.35%. For those with smaller balances, Barclays also features an Online Savings account yielding 3.60% APY, which is beneficial for simplicity as it has no bundling or direct deposit requirements. E*TRADE's account has no minimum balance and also does not require direct deposit, but it does not match the higher yields available at Barclays.
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 3.35%) on all balances
- ✓Offers 2 different high-yield savings options
Why E*TRADE from Morgan Stanley?
- ✓Fast transfers via Zelle®
— 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 E*TRADE from Morgan Stanley's Premium Savings Account.
*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. E*TRADE from Morgan Stanley Savings Calculator
You earn $50 more with Barclays than E*TRADE from Morgan Stanley 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
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$335.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,335.00
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 $334 per year in interest.
Both Barclays and E*TRADE from Morgan Stanley dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 2/6/2026 ↘︎ 0.10%90d Change | 3.35% Verified: 2/6/2026 ↘︎ 0.40%90d Change |
| Product Name | Tiered Savings | Premium Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0+ |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Available for Premium Savings and Checking. |
| BBB Rating | A+ | D- |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | E*TRADE from Morgan Stanley | |
|---|---|---|---|
| Online Savings | Tiered Savings | Premium Savings Account | |
Current APY | 3.60% | 4.00% | 3.35% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.6 | -4.9 |
Days Since Change | 72 | 79 | 3 |
12-Month High | 3.90% | 4.50% | 4.00% |
12-Month Low | 3.60% | 4.00% | 3.35% |
Adjustments / Mo | 0.42 | 0.59 | 0.25 |
Volatility Score | 0.026 | 0.033 | 0.052 |
How to read these metrics(Click to expand)
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