Barclays vs. E*TRADE from Morgan Stanley
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 12, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Jan 12, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.50% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$175 $10,000+$350 $25,000+$875 |
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 App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Barclays vs. E*TRADE from Morgan Stanley
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to E*TRADE from Morgan Stanley's 3.50% APY for its Premium Savings Account, with a minimum balance of $0+.
Barclays pays $35 more than E*TRADE from Morgan Stanley on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while E*TRADE from Morgan Stanley pays $350 - an APY advantage for Barclays.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.50%) 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 $350/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $875/yr).
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $35 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.
Executive Summary as of
Barclays offers a Tiered Savings account with a competitive APY of 4.00% for balances over $250,000, while lower balances yield 3.85%. This account is online-only and has no maintenance fees or minimum deposits, making it accessible for larger savers. In contrast, E*TRADE from Morgan Stanley provides a Premium Savings Account with an APY of 3.50%, which is lower than Barclays' top rate. Both accounts do not require direct deposit, but Barclays stands out with its higher yield for substantial deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
Barclays vs. E*TRADE from Morgan Stanley Savings Calculator
You earn $35 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+$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.
| Feature | Barclays | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/12/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 1/12/2026 ↘︎ 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 |
| 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 | iOS4.7 Android4.7 |
| 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% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.8 | -4.4 |
Days Since Change | 47 | 54 | 27 |
11-Month High | 3.90% | 4.50% | 4.00% |
11-Month Low | 3.60% | 4.00% | 3.50% |
Adjustments / Mo | 0.45 | 0.63 | 0.18 |
Volatility Score | 0.025 | 0.033 | 0.044 |
How to read these metrics(Click to expand)
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