Barclays vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Feb 21, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 4.05% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
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%. | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Barclays vs. Jenius Bank
Executive Summary
Barclays offers an Online Savings account with a competitive APY of 3.50%, requiring no minimum deposit and no maintenance fees, making it an accessible option for savers. Additionally, they provide a Tiered Savings account that offers a higher APY of 3.85%, but this rate is only available for balances over $250,000; lower balances earn a 3.70% APY. Both accounts are online-only, and no direct deposit is required. In contrast, Jenius Bank does not have any products listed, making Barclays the clear choice for savings options.
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 4.0)
- ✓Higher rated Android app (4.7 vs 3.7)
- ✓Offers 2 different high-yield savings options
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.50%-3.85%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $370/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $925/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.7 (vs. 3.7)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $35 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
Top Market Contenders
Barclays vs. Jenius Bank Savings Calculator
You earn $35 more with Jenius 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
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 Jenius Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Jenius Bank |
|---|---|---|
| APY | 3.85% Range: 3.70% - 3.85% Verified: 2/21/2026 ↘︎ 0.15%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Tiered Savings | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| 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%. | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Jenius Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Jenius Savings | |
Current APY | 3.50% | 3.85% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.8 | -2.8 |
Days Since Change | -42 | -42 | 52 |
12-Month High | 4.00% | 4.50% | 4.50% |
12-Month Low | 3.50% | 3.85% | 4.05% |
Adjustments / Mo | 0.60 | 0.68 | 0.17 |
Volatility Score | 0.029 | 0.038 | 0.030 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Barclays' APY of 3.85% with other banks
Compare Jenius Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Jenius Bank vs Ally Bank | 3.20% | $0 |
| Jenius Bank vs American Express | 3.30% | $0 |
| Jenius Bank vs Axos Bank | 4.21% | $0 |
| Jenius Bank vs Bank of America | 0.01% | $100 |
| Jenius Bank vs Capital One | 3.30% | $0 |
| Jenius Bank vs Chase Bank | 0.01% | $0 |
| Jenius Bank vs Chime | 3.00% | $0 |
| Jenius Bank vs CIT Bank | 3.75% | $100 |
| Jenius Bank vs Citibank | 3.20% | $0 |
| Jenius Bank vs Discover Bank | 3.30% | $0 |
| Jenius Bank vs EverBank | 3.90% | $0 |
| Jenius Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Jenius Bank vs Newtek Bank | 4.20% | $0.01 |
| Jenius Bank vs Openbank | 4.09% | $500 |
| Jenius Bank vs Pibank | 4.60% | $0 |
| Jenius Bank vs SoFi Bank | 4.00% | $0 |
| Jenius Bank vs Synchrony Bank | 3.50% | $0 |
| Jenius Bank vs Varo Bank | 5.00% | $0 |
| Jenius Bank vs Wealthfront | 3.95% | $0 |
| Jenius Bank vs Wells Fargo | 0.05% | $25 |