Barclays vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 6, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
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.
Comparison Analysis
Comparing Barclays vs. TIMBR
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 (4.40% 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. $440 vs $385/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $963/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% 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 $55 more interest on a $10,000 balance than Barclays's Tiered Savings.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the highest-yielding option compared to Barclays' Tiered Savings account, which provides a maximum APY of 4.00% but only for balances over $250,000; lower balances earn 3.85%. Both accounts are online-only and have no maintenance fees. Notably, TIMBR's account requires a minimum deposit of $1,000, while Barclays has no minimum deposit requirement for its Online Savings account. Additionally, TIMBR's account is highlighted for its simplicity, with no direct deposit requirement or caps, making it an attractive choice for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Barclays and TIMBR.
| Feature | Barclays | TIMBR |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.40% Verified: 12/6/2025 Stable (90d) |
| 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- |
| 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 |
Savings Comparison
TIMBR earns $356.7 more than Barclays.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | TIMBR | |
|---|---|---|---|
| Online Savings | Tiered Savings | Premium Savings Account | |
Current APY | 3.60% | 4.00% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.5 | -4.0 | -1.3 |
Days Since Change | 10 | 17 | 236 |
10-Month High | 3.90% | 4.40% | 4.55% |
10-Month Low | 3.60% | 4.00% | 4.40% |
Adjustments / Mo | 0.52 | 0.62 | 0.10 |
Volatility Score | 0.023 | 0.031 | 0.013 |
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
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.