Barclays vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | TIMBRPremium Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 4.15% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$208 $10,000+$415 $25,000+$1,038 |
Min Deposit | $0 | $1,000 |
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%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredLow Minimums |
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.
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to TIMBR's 4.15% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR pays $30 more than Barclays on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while TIMBR pays $415 - an APY advantage for TIMBR.
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.
Why Barclays?
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Offers 2 different high-yield savings options
Why TIMBR?
- ✓Higher potential APY (4.15% vs 3.60%-4.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $415 vs $385/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1038 vs $963/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.15% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $30 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
TIMBR offers a Premium Savings Account with a competitive APY of 4.15%, making it the winner in this comparison. This account requires a minimum deposit of $1,000 and has no maintenance fees, providing attractive returns for both small and large balances. In contrast, Barclays' Tiered Savings account offers a higher APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. Barclays also features an Online Savings account with a 3.60% APY. Both banks are online-only and do not require direct deposit, but Barclays has an edge in mobile app experience with high ratings.
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
Non-sponsored link to official site
Top Market Contenders
Barclays vs. TIMBR Savings Calculator
You earn $30 more with TIMBR than Barclays 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
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$415.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,415.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | TIMBR |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.15% Verified: 1/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Tiered Savings | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $250,000 | $0 |
| 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 | iOS- Android- |
| Zelle® Support | Not Supported | Not Supported |
| 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 | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | TIMBR | |
|---|---|---|---|
| Online Savings | Tiered Savings | Premium Savings Account | |
Current APY | 3.60% | 4.00% | 4.15% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.7 | -1.6 |
Days Since Change | 56 | 63 | 13 |
11-Month High | 3.90% | 4.40% | 4.55% |
11-Month Low | 3.60% | 4.00% | 4.15% |
Adjustments / Mo | 0.45 | 0.54 | 0.18 |
Volatility Score | 0.026 | 0.032 | 0.018 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Barclays vs...
Comparing against Standard Savings
Compare TIMBR vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.