Barclays vs. Pibank
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
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
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. Pibank
Why Barclays?
- ✓Higher rated iOS app (4.9 vs 2.4)
- ✓Higher rated Android app (4.7 vs 1.7)
- ✓Offers 2 different high-yield savings options
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.60%-4.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $385/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $963/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 2.4) and Android app rated 4.7 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $75 more interest on a $10,000 balance than Barclays's Tiered Savings.
Executive Summary
Pibank offers a competitive APY of 4.60% on its Pibank Savings account, making it the clear winner for savers seeking higher returns without any minimum balance requirements. This account is online-only, has no maintenance fees, and does not require direct deposit. In contrast, Barclays features a Tiered Savings account with a maximum APY of 4.00%, but this rate is only available for balances over $250,000; lower balances earn 3.85%. Barclays also provides an Online Savings account with a 3.60% APY, but it is less attractive compared to Pibank's offering. Both banks are FDIC insured and have no maintenance fees.
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.
| Feature | Barclays | Pibank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.60% Verified: 12/6/2025 Stable (90d) |
| Product Name | Tiered Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| 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 | iOS2.4 Android1.7 |
| 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
Pibank earns $487.8 more than Barclays.
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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
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 | Pibank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Pibank Savings | |
Current APY | 3.60% | 4.00% | 4.60% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -4.1 | -0.0 |
Days Since Change | 10 | 17 | 295 |
10-Month High | 3.90% | 4.50% | 4.60% |
10-Month Low | 3.60% | 4.00% | 4.60% |
Adjustments / Mo | 0.51 | 0.71 | 0.00 |
Volatility Score | 0.023 | 0.032 | 0.000 |
How to read these metrics(Click to expand)
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