Barclays vs. Elevault
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
Elevault
High Yield Savings Account
4.08%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
High Yield Savings Account
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. Elevault
Why Barclays?
- ✓Higher rated iOS app (4.9 vs 3.7)
- ✓Higher rated Android app (4.7 vs 3.9)
- ✓Offers 2 different high-yield savings options
Why Elevault?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $385/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $963/yr).
Best for Simplicity
ElevaultElevault's High Yield Savings Account offers 4.08% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 3.7) and Android app rated 4.7 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $23 more interest on a $10,000 balance than Barclays's Tiered Savings.
Executive Summary
Barclays and Elevault both offer competitive savings products, but Elevault's High Yield Savings Account stands out with an APY of 4.08%. This account is online-only, requires no minimum deposit, and has no maintenance fees, making it a straightforward choice for savers. In comparison, Barclays offers a Tiered Savings account with a maximum APY of 4.00%, but this rate is only available for balances over $250,000; lower balances earn 3.85%. Additionally, Barclays provides an Online Savings account with a 3.60% APY, but it does not surpass Elevault's offering. Both banks have no direct deposit requirements, but Elevault's product is noted for its simplicity and better returns on smaller deposits.
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 Elevault.
| Feature | Barclays | Elevault |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.08% Verified: 12/6/2025 ↘︎ 0.52%90d Change |
| Product Name | Tiered Savings | High Yield 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 | iOS3.7 Android3.9 |
| 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%. | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Next Steps |
Savings Comparison
Elevault earns $148.4 more than Barclays.
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
Elevault
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,486.40(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,486.40
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 | Elevault | |
|---|---|---|---|
| Online Savings | Tiered Savings | High Yield Savings Account | |
Current APY | 3.60% | 4.00% | 4.08% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.3 | -2.0 | -16.6 |
Days Since Change | 10 | 17 | 32 |
4-Month High | 3.70% | 4.10% | 4.60% |
4-Month Low | 3.60% | 4.00% | 4.08% |
Adjustments / Mo | 0.25 | 0.25 | 0.49 |
Volatility Score | 0.009 | 0.009 | 0.048 |
How to read these metrics(Click to expand)
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