Barclays vs. Pibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Barclays vs. Pibank
Key Metrics at a Glance
| Feature | Barclays | Pibank |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 4.60% Pibank Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $250,000 | $0.01 |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. |
Barclays
Strengths
- Barclays offers a Tiered Savings account with an APY of 4.10% for balances over $250,000.
- Barclays has a high BBB rating of A+ and is BBB Accredited.
- Barclays has strong app ratings, with 4.8 on the App Store and 4.7 on Google Play.
Potential Drawbacks
- Barclays' higher APY requires a minimum balance of $250,000.
- Barclays does not have any physical branches.
Pibank
Strengths
- Pibank's Pibank Savings account offers a higher APY of 4.60%.
- Pibank has no minimum balance requirement for its savings account.
Potential Drawbacks
- Pibank has a lower BBB rating of A and is not BBB Accredited.
- Pibank's app ratings are significantly lower, with 2.4 on the App Store and 1.7 on Google Play.
- Pibank does not have any physical branches.
→ As of October 21, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
→ Pibank yields $70 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Pibank pays $460 - an APY advantage for Pibank.
→ In addition, Barclays also offers 3.70% APY for the Online Savings account.
Calculate Savings Growth for Barclays vs Pibank
Barclays - Tiered Savings
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewPibank - Pibank Savings
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $455.6 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Barclays' vs Pibank's Savings Accounts
| Barclays | Pibank | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Pibank Savings |
| APY | 3.90% - 4.10% (as of 10/21/2025) | 3.70% (as of 10/21/2025) | 4.60% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.8/5 | 2.4/5 | ||
| Google Play Rating | 4.7/5 | 1.7/5 | ||
| BBB Rating | A+ | A | ||
Comparative Historical APY Insights (Last 8 Months)
| Barclays | Pibank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Pibank Savings |
| Latest APY | 3.70 % | 4.10 % | 4.60 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.1 | -4.9 | -0.0 | |
| Rate Changes / Mo | 0.48 | 0.72 | 0.00 | |
| Days Since Last Change | 133 | 125 | 244 | |
| High (-8 m) | 3.90 % | 4.50 % | 4.60 % | |
| Low (-8 m) | 3.70 % | 4.10 % | 4.60 % | |
| Draw-down from High | -5.1 % | -8.9 % | 0.0 % | |
| Volatility (CV) | 0.022 | 0.030 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 249 days.
- Low (-8 m)
- Lowest APY in the last 249 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.51% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs Elevault | 4.34% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FNBO Direct | 3.00% | $1 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.20% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1,000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 0.05% | $25 |
| Pibank vs Zynlo Bank | 4.20% | $10 |