High-Yield Savings Account Comparison

Barclays vs. GO2bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Barclays

Tiered Savings

Up to
4.00%
APY
Dec 6, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android App
Range: 3.85% – 4.00%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57203)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.7
BBB Rating
A+(BBB Accredited)

Important Note

The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.

Rate Stability

Rate Adjusted
-0.10%
Since 30 days ago
Read Bank Overview

GO2bank

High Yield Savings

Up to
4.50%
APY
Dec 6, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 0.00% – 4.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing Barclays vs. GO2bank

Updated: Dec 6, 2025

Why Barclays?

  • ✓No checking account or direct deposit required
  • ✓Offers 2 different high-yield savings options

Why GO2bank?

  • ✓Higher potential APY (4.50% vs 3.60%-4.00%) on balances up to $5,000 (requires checking bundle)

— Key Feature Differences —

Better Returns at $10,000
Barclays

Barclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $225/yr).

Better Returns at $25,000
Barclays

Barclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $225/yr).

Best for Simplicity
Barclays

Barclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Barclays's Tiered Savings pays $160 more interest on a $10,000 balance than GO2bank's High Yield Savings.

GO2bankBarclays
Automated Data Audit

Executive Summary

GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, but it requires a GO2bank checking account to open and has a cap on interest-earning balances at $5,000. In contrast, Barclays provides an Online Savings account with a simpler structure, featuring a 3.60% APY without any account bundling or direct deposit requirements, making it accessible for all deposit amounts. Additionally, Barclays has a Tiered Savings option that offers a higher APY of 4.00% for balances over $250,000, but this is less relevant for smaller deposits. Overall, GO2bank is the winner based on the highest APY.

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.

ExploreBarclaysExploreGO2bank

Top Market Contenders

See who beats both Barclays and GO2bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.10% vs GO2bank
Better Rate
Pibank vs BarclaysPibank vs GO2bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
Better Rate
Neighbors Bank vs BarclaysNeighbors Bank vs GO2bank
FeatureBarclaysGO2bank
APY
4.00%
Range: 3.85% - 4.00%
Verified: 12/6/2025
↘︎ 0.10%90d Change
4.50%
0
Verified: 12/6/2025
Stable (90d)
Product NameTiered SavingsHigh Yield Savings
Minimum Deposit$0$0
Min. Balance for APY$250,000$0
Monthly Fee$0$5 per month, unless you set up direct deposit
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.9
Android4.7
iOS4.8
Android4.5
BBB RatingA+Not Rated
Important NotesThe 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Barclays earns $1,107.1 more than GO2bank.

Barclays

Tiered Savings

4.00% APY
Higher APY requires $250,000

Savings Breakdown

  • Interest Earned
    +$2,338.00(11.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,338.00

Effective APY
3.85%
View Details

GO2bank

High Yield Savings

4.50% APY

4.50% on first $5,000 and 0.00% thereafter.

Savings Breakdown

  • Interest Earned
    +$1,230.90(6.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,230.90

Effective APY
2.08%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricBarclaysGO2bank
Online SavingsTiered SavingsHigh Yield Savings
Current APY
3.60%4.00%4.50%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-1.3-2.00.0
Days Since Change
1017121
4-Month High
3.70%4.10%4.50%
4-Month Low
3.60%4.00%4.50%
Adjustments / Mo
0.250.250.00
Volatility Score
0.0090.0090.000
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 122-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Barclays vs...

Comparing against Standard Savings

vs Barclays
PibankNo Bundle Req
4.60%
APY
vs Barclays
Neighbors BankNo Bundle Req
4.50%
APY
vs Barclays
TIMBRNo Bundle Req
4.40%
APY

Compare GO2bank vs...

Comparing against other Bundled Accounts

vs GO2bank
Axos BankChecking Bundle
4.31%
APY
vs GO2bank
SoFi BankChecking Bundle
4.30%
APY
vs GO2bank
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare Barclays' APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Barclays vs Ally Bank3.30%$0
Barclays vs American Express3.40%$0
Barclays vs Axos Bank4.31%$0
Barclays vs Bank of America0.01%$100
Barclays vs Bask Bank3.90%$0
Barclays vs BMO Alto3.25%$0
Barclays vs BrioDirect4.00%$5,000
Barclays vs Capital One3.40%$0
Barclays vs Chase Bank0.01%$0
Barclays vs Chime3.50%$0
Barclays vs CIT Bank3.75%$100
Barclays vs Citibank3.30%$0
Barclays vs Citizens Access™3.35%$0.01
Barclays vs Climate First Bank4.21%$50
Barclays vs Discover Bank3.40%$0
Barclays vs Elevault4.08%$0
Barclays vs EverBank4.05%$0
Barclays vs Fitness Bank4.75%$100
Barclays vs FNBO Direct3.00%$1
Barclays vs Forbright Bank4.00%$0
Barclays vs FVCbank3.85%$500
Barclays vs Ivy Bank4.25%$2,500
Barclays vs LendingClub4.20%$0
Barclays vs Marcus by Goldman Sachs3.65%$0
Barclays vs Neighbors Bank4.50%$0
Barclays vs Newtek Bank4.35%$0.01
Barclays vs Openbank4.20%$500
Barclays vs Peak Bank4.20%$100
Barclays vs Pibank4.60%$0
Barclays vs PNC3.53%$0
Barclays vs Presidential Bank4.00%$5,000
Barclays vs Quontic Bank3.75%$100
Barclays vs Salem Five Direct3.71%$10
Barclays vs Santander Bank0.01%$25
Barclays vs SoFi Bank4.30%$0
Barclays vs Synchrony Bank3.65%$0
Barclays vs TIMBR4.40%$1,000
Barclays vs UFB Direct3.71%$5000
Barclays vs Valley Direct4.10%$1,000
Barclays vs Varo Bank5.00%$0
Barclays vs Vio Bank4.16%$100
Barclays vs Wealthfront4.15%$0
Barclays vs Wells Fargo0.05%$25
Barclays vs Zynlo Bank4.05%$10
Compare GO2bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
GO2bank vs Ally Bank3.30%$0
GO2bank vs American Express3.40%$0
GO2bank vs Axos Bank4.31%$0
GO2bank vs Bank of America0.01%$100
GO2bank vs Bask Bank3.90%$0
GO2bank vs BMO Alto3.25%$0
GO2bank vs BrioDirect4.00%$5,000
GO2bank vs Capital One3.40%$0
GO2bank vs Chase Bank0.01%$0
GO2bank vs Chime3.50%$0
GO2bank vs CIT Bank3.75%$100
GO2bank vs Citibank3.30%$0
GO2bank vs Citizens Access™3.35%$0.01
GO2bank vs Climate First Bank4.21%$50
GO2bank vs Discover Bank3.40%$0
GO2bank vs Elevault4.08%$0
GO2bank vs EverBank4.05%$0
GO2bank vs Fitness Bank4.75%$100
GO2bank vs FNBO Direct3.00%$1
GO2bank vs Forbright Bank4.00%$0
GO2bank vs FVCbank3.85%$500
GO2bank vs Ivy Bank4.25%$2,500
GO2bank vs LendingClub4.20%$0
GO2bank vs Marcus by Goldman Sachs3.65%$0
GO2bank vs Neighbors Bank4.50%$0
GO2bank vs Newtek Bank4.35%$0.01
GO2bank vs Openbank4.20%$500
GO2bank vs Peak Bank4.20%$100
GO2bank vs Pibank4.60%$0
GO2bank vs PNC3.53%$0
GO2bank vs Presidential Bank4.00%$5,000
GO2bank vs Quontic Bank3.75%$100
GO2bank vs Salem Five Direct3.71%$10
GO2bank vs Santander Bank0.01%$25
GO2bank vs SoFi Bank4.30%$0
GO2bank vs Synchrony Bank3.65%$0
GO2bank vs TIMBR4.40%$1,000
GO2bank vs UFB Direct3.71%$5000
GO2bank vs Valley Direct4.10%$1,000
GO2bank vs Varo Bank5.00%$0
GO2bank vs Vio Bank4.16%$100
GO2bank vs Wealthfront4.15%$0
GO2bank vs Wells Fargo0.05%$25
GO2bank vs Zynlo Bank4.05%$10