Barclays vs. TD Bank
Comparing Barclays and TD Bank for high-yield savings: Barclays's Tiered Savings pays 3.85% APY while TD Bank's TD Signature Savings pays 2.36% APY.
Note: TD Bank requires a checking account.
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 $365 more than TD Bank annually ($370 vs $5).
Choose Barclays if getting the best rate matters most, you want a no-strings-attached account, or you're an Android user. Choose TD Bank if you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
TD Bank requires a checking account to unlock its top savings rate, while Barclays offers its savings account standalone.
| Metric | BarclaysTiered Savings Mar 24, 2026 | TD BankTD Signature Savings Mar 24, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 0.05% - 2.36% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $0 | $0 |
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%. | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking BundleRate 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.
Executive Summary
Barclays offers a Tiered Savings account with a competitive APY of 3.85% for balances over $250,000, while lower balances earn 3.70%. This account is online-only and has no maintenance fees or minimum deposit requirements. In contrast, TD Bank's TD Signature Savings account provides a maximum APY of 2.36% under similar conditions, with a minimum balance of $250,000 required to earn this rate, and a maintenance fee of $10 that can be waived. Overall, Barclays's Tiered Savings account stands out with a significantly higher APY.
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 (3.85% vs 2.36%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 vs 4.1)
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓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 $5/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $925 vs $13/yr).
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $365 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. TD Bank Savings Calculator
You earn $365 more with Barclays than TD 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
TD Bank
TD Signature Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,005.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | TD Bank |
|---|---|---|
| APY | 3.85% Range: 3.70% - 3.85% Verified: 3/24/2026 ↘︎ 0.15%90d Change | 2.36% Range: 0.05% - 2.36% Verified: 3/24/2026 ↘︎ 0.24%90d Change |
| Product Name | Tiered Savings | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $250,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| BBB Rating | A+ | Not Rated |
| Important Notes | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | TD Bank | |
|---|---|---|---|
| Tiered Savings | Online Savings | TD Signature Savings | |
Current APY | 3.85% | 3.50% | 2.36% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.6 | -8.9 |
Days Since Change | 32 | 32 | 67 |
12-Month High | 4.40% | 3.90% | 3.51% |
12-Month Low | 3.85% | 3.50% | 2.36% |
Adjustments / Mo | 0.58 | 0.49 | 0.41 |
Volatility Score | 0.033 | 0.026 | 0.115 |
How to read these metrics(Click to expand)
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Compare Barclays' APY of 3.85% with other banks
Compare TD Bank's APY of 2.36% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.20% | $0 |
| TD Bank vs American Express | 3.20% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Capital One | 3.20% | $0 |
| TD Bank vs Chime | 3.00% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs Discover Bank | 3.30% | $0 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $0.01 |
| TD Bank vs Openbank | 4.09% | $500 |
| TD Bank vs Pibank | 4.60% | $0 |
| TD Bank vs SoFi Bank | 4.00% | $0 |
| TD Bank vs Synchrony Bank | 3.50% | $0 |
| TD Bank vs Varo Bank | 5.00% | $0 |
| TD Bank vs Wealthfront | 4.20% | $0 |