Barclays vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Barclays vs. PNC
Key Metrics at a Glance
| Feature | Barclays | PNC |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $250,000 | $0 |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | Eligibility restricted. |
Barclays
Strengths
- Barclays offers a higher APY of 4.10% for balances over $250,000.
- Barclays has a strong BBB rating of A+ and is BBB Accredited.
- Barclays has a higher App Store rating of 4.9 compared to PNC.
Potential Drawbacks
- Barclays requires a minimum balance of $250,000 to earn the highest APY.
- Barclays has no physical branches for in-person banking.
- Barclays offers a lower APY of 3.70% for its Online Savings account.
PNC
Strengths
- PNC's High Yield Savings account has no minimum balance requirement.
- PNC offers a Standard Savings account with a low minimum balance of $1.
- PNC has a competitive App Store rating of 4.9.
Potential Drawbacks
- PNC's High Yield Savings APY is lower at 3.53%, down from 3.85% last month.
- PNC is not BBB Accredited despite having an A+ rating.
- PNC's Standard Savings account has a very low APY of 0.03%.
→ As of November 14, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ Barclays yields $37 more than PNC on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while PNC pays $353 - an APY advantage for Barclays.
→ In addition, Barclays also offers 3.70% APY for the Online Savings account, while PNC offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Barclays vs PNC
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 OverviewPNC - PNC High Yield Savings
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $237 higher than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Barclays' vs PNC's Savings Accounts
| Barclays | PNC | ||||
|---|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Standard Savings | PNC High Yield Savings |
| APY | 3.90% - 4.10% (as of 11/14/2025) | 3.70% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | No | |
| Compound Frequency | Daily | Daily | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | $0 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $1 | $0 | |
| Maintenance Fee | $0 | $0 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | United States | United States | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | ||
| App Store Rating | 4.9/5 | 4.9/5 | |||
| Google Play Rating | 4.7/5 | 4.6/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 8 Months)
| Barclays | PNC | ||||
|---|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 3.70 % | 4.10 % | 3.53 % | 0.03 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.5 | -4.0 | -1.9 | 0.2 | |
| Rate Changes / Mo | 0.47 | 0.59 | 0.35 | 0.12 | |
| Days Since Last Change | 157 | 149 | 1 | 197 | |
| High (-8 m) | 3.90 % | 4.40 % | 3.95 % | 0.03 % | |
| Low (-8 m) | 3.70 % | 4.10 % | 3.53 % | 0.01 % | |
| Draw-down from High | -5.1 % | -6.8 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.020 | 0.028 | 0.019 | 0.331 | |
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 256 days.
- Low (-8 m)
- Lowest APY in the last 256 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.