Barclays vs. E*TRADE from Morgan Stanley
Barclays edges out E*TRADE from Morgan Stanley slightly at 3.65% vs 3.50% APY. On a $10,000 balance, the difference is just $0 per year—so other factors may matter more.
The Bottom Line
The Barclays and E*TRADE from Morgan Stanley savings accounts are very similar. Choose Barclays if BBB rating matters to you, or choose E*TRADE from Morgan Stanley if you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Aug 6, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Aug 6, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 3.50% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.65% APY is only available for balances over $250,000. For lower balances, the APY is 3.50%. | - |
| 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 4.10% APY.
Comparison Analysis
Comparing Barclays vs. E*TRADE from Morgan Stanley
Executive Summary
Barclays offers a Tiered Savings account with a competitive APY of 3.65% for balances over $250,000, while lower balances yield 3.50%. Additionally, they provide an Online Savings account with a 3.30% APY. In comparison, E*TRADE from Morgan Stanley features a Premium Savings Account with a 3.50% APY, which is available for any balance without a direct deposit requirement. Both banks operate online only and have no maintenance fees. Overall, Barclays' Tiered Savings account stands out as the winner with its higher APY.
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 (3.30%-3.65% vs 3.50%)
- ✓Offers 2 different high-yield savings options
Why E*TRADE from Morgan Stanley?
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Best for Simplicity
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. E*TRADE from Morgan Stanley Savings Calculator
Both accounts earn exactly the same amount.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 $349 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 | 3.65% Range: 3.50% - 3.65% Verified: 8/6/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 8/6/2026 ↗︎ 0.25%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 3.65% APY is only available for balances over $250,000. For lower balances, the APY is 3.50%. | - |
| 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 | 3.30% | 3.65% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.9 | -4.5 | -5.4 |
Days Since Change | 43 | 43 | 52 |
12-Month High | 3.70% | 4.10% | 4.00% |
12-Month Low | 3.30% | 3.65% | 3.25% |
Adjustments / Mo | 0.33 | 0.33 | 0.41 |
Volatility Score | 0.041 | 0.040 | 0.066 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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