Barclays vs. FNBO Direct
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
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online 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. FNBO Direct
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.00%) on all balances
- ✓Higher rated iOS app (4.9 vs 4.5)
- ✓Offers 2 different high-yield savings options
Why FNBO Direct?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $300/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $750/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.5) and Android app rated 4.7 (vs. 4.8)
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $85 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Barclays offers a competitive Tiered Savings account with an APY of 4.00% for balances over $250,000, making it the top choice for higher deposits. For smaller balances, their Online Savings account provides a straightforward 3.60% APY with no direct deposit requirement, appealing to those seeking simplicity. In contrast, FNBO Direct's High-Yield Online Savings Account offers a lower APY of 3.00%, which may not be as attractive for larger savings. Both banks feature online-only services and have no maintenance fees, but Barclays stands out with higher yields for significant 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 FNBO Direct.
| Feature | Barclays | FNBO Direct |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | Tiered Savings | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $1 |
| Min. Balance for APY | $250,000 | $0.01 |
| 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 | iOS4.5 Android4.8 |
| 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%. | - |
| Next Steps |
Savings Comparison
Barclays earns $539.8 more than FNBO Direct.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
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 | FNBO Direct | |
|---|---|---|---|
| Online Savings | Tiered Savings | High-Yield Online Savings Account | |
Current APY | 3.60% | 4.00% | 3.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.1 | -1.7 | -8.4 |
Days Since Change | 10 | 17 | 64 |
4-Month High | 3.70% | 4.10% | 3.25% |
4-Month Low | 3.60% | 4.00% | 3.00% |
Adjustments / Mo | 0.22 | 0.22 | 0.22 |
Volatility Score | 0.008 | 0.009 | 0.040 |
How to read these metrics(Click to expand)
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