Barclays vs. Fitness Bank
Comparing Barclays and Fitness Bank for high-yield savings: Barclays's Tiered Savings pays 3.85% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $80 more than Barclays annually ($450 vs $370).
Choose Barclays if you want a no-strings-attached account, or mobile app quality matters. Choose Fitness Bank if getting the best rate matters most.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while Barclays offers its savings account standalone.
| Metric | BarclaysTiered Savings Mar 24, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Mar 24, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 4.50% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Barclays vs. Fitness Bank
Executive Summary
Fitness Bank offers the highest APY of 4.50% through its Fitness Elite Checking & Fitness Savings Combo, which requires maintaining a $5,000 average balance in the checking account and tracking at least 10,000 daily steps using their app. This tiered account is designed for those who can meet specific activity and balance requirements. In contrast, Barclays provides a competitive 3.85% APY for its Tiered Savings account, but this rate is only available for balances exceeding $250,000; lower balances yield 3.70%. Both banks operate online only and do not require direct deposit, but Barclays has no maintenance fees, while Fitness Bank charges $10 unless certain balance conditions are met.
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 rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.7 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% vs 3.85%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $450 vs $370/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $925/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $80 more interest on a $10,000 balance than Barclays's Tiered 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
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Barclays vs. Fitness Bank Savings Calculator
You earn $80 more with Fitness Bank than Barclays 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+$370.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,370.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
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 $369 per year in interest.
Both Barclays and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Fitness Bank |
|---|---|---|
| APY | 3.85% Range: 3.70% - 3.85% Verified: 3/24/2026 ↘︎ 0.15%90d Change | 4.50% Verified: 3/24/2026 ↘︎ 0.25%90d Change |
| Product Name | Tiered Savings | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $250,000 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| 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 | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Fitness Bank | ||
|---|---|---|---|---|
| Tiered Savings | Online Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.85% | 3.50% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.6 | -4.4 | -2.7 |
Days Since Change | 32 | 32 | 49 | 49 |
12-Month High | 4.40% | 3.90% | 5.00% | 4.55% |
12-Month Low | 3.85% | 3.50% | 4.50% | 4.20% |
Adjustments / Mo | 0.58 | 0.49 | 0.25 | 0.25 |
Volatility Score | 0.033 | 0.026 | 0.035 | 0.026 |
How to read these metrics(Click to expand)
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Compare Barclays' APY of 3.85% with other banks
Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.20% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Capital One | 3.20% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.09% | $500 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |