Barclays vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.30% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | Eligibility restricted to select states. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Barclays pays $55 more than PNC on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while PNC pays $330 - an APY advantage for Barclays.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest, while PNC offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.30%) on all balances
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $55 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Barclays offers a competitive Tiered Savings account with a 4.00% APY for balances over $250,000, while lower balances earn 3.85%. This account is online-only and has no maintenance fees or direct deposit requirements. Alternatively, their Online Savings account provides a simpler option with a 3.60% APY. In contrast, PNC's highest yielding product, the High Yield Savings account, offers a significantly lower APY of 3.30% and is available only in select states. PNC also has a Standard Savings account with an APY of 0.03%. Overall, Barclays's Tiered Savings account stands out as the superior option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
Barclays vs. PNC Savings Calculator
You earn $55 more with Barclays than PNC 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+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | PNC |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Tiered Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| 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%. | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | PNC | ||
|---|---|---|---|---|
| Online Savings | Tiered Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 3.60% | 4.00% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.7 | -5.6 | 0.2 |
Days Since Change | 42 | 49 | 21 | 251 |
10-Month High | 3.90% | 4.40% | 3.95% | 0.03% |
10-Month Low | 3.60% | 4.00% | 3.30% | 0.01% |
Adjustments / Mo | 0.49 | 0.58 | 0.39 | 0.10 |
Volatility Score | 0.024 | 0.031 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
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