Barclays vs. Quontic Bank
Comparing Barclays and Quontic Bank for high-yield savings: Barclays's Tiered Savings pays 3.85% APY while Quontic Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Barclays pays $20 more than Quontic Bank annually ($370 vs $350).
Choose Barclays if getting the best rate matters most. Choose Quontic Bank if you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Feb 21, 2026 | Quontic BankHigh Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 3.50% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
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%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily 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. Quontic Bank
Executive Summary
Barclays offers a Tiered Savings account with a higher APY of 3.85% for balances over $250,000, while lower balances earn 3.70%. This account is online-only and requires a minimum balance of $250,000 to achieve the top rate. In contrast, Quontic Bank provides a High Yield Savings account with a consistent APY of 3.50%, requiring a minimum deposit of $100 but no minimum balance. Both banks have no maintenance fees and are FDIC insured. Overall, Barclays's Tiered Savings account stands out for higher balances, making it the winner based on the provided data.
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 potential APY (3.50%-3.85% vs 3.50%) on all balances
- ✓Offers 2 different high-yield savings options
Why Quontic Bank?
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $370 vs $350/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $925 vs $875/yr).
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $20 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
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* Secure link to our partner
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Barclays vs. Quontic Bank Savings Calculator
You earn $20 more with Barclays than Quontic Bank 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 $349 per year in interest.
Both Barclays and Quontic Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Quontic Bank |
|---|---|---|
| APY | 3.85% Range: 3.70% - 3.85% Verified: 2/21/2026 ↘︎ 0.15%90d Change | 3.50% Verified: 2/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Tiered Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| 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 for banking. Loan offices only. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| 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%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Quontic Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | High Yield Savings | |
Current APY | 3.50% | 3.85% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.5 | -3.5 | -2.7 |
Days Since Change | 1 | 1 | 53 |
12-Month High | 3.90% | 4.40% | 3.85% |
12-Month Low | 3.50% | 3.85% | 3.50% |
Adjustments / Mo | 0.49 | 0.58 | 0.16 |
Volatility Score | 0.026 | 0.033 | 0.032 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Barclays' APY of 3.85% with other banks
Compare Quontic Bank's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Quontic Bank vs Ally Bank | 3.20% | $0 |
| Quontic Bank vs American Express | 3.30% | $0 |
| Quontic Bank vs Axos Bank | 4.21% | $0 |
| Quontic Bank vs Bank of America | 0.01% | $100 |
| Quontic Bank vs Capital One | 3.30% | $0 |
| Quontic Bank vs Chase Bank | 0.01% | $0 |
| Quontic Bank vs Chime | 3.00% | $0 |
| Quontic Bank vs CIT Bank | 3.75% | $100 |
| Quontic Bank vs Citibank | 3.20% | $0 |
| Quontic Bank vs Discover Bank | 3.30% | $0 |
| Quontic Bank vs EverBank | 3.90% | $0 |
| Quontic Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Quontic Bank vs Newtek Bank | 4.20% | $0.01 |
| Quontic Bank vs Openbank | 4.09% | $500 |
| Quontic Bank vs Pibank | 4.60% | $0 |
| Quontic Bank vs SoFi Bank | 4.00% | $0 |
| Quontic Bank vs Synchrony Bank | 3.50% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wealthfront | 3.95% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |