Barclays vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Barclays vs. Vio Bank
Key Metrics at a Glance
| Feature | Barclays | Vio Bank |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $250,000 | $0 |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. |
Barclays
Strengths
- Barclays offers a Tiered Savings account with a solid APY of 4.10% for balances over $250,000.
- Barclays has a high App Store rating of 4.9.
- Barclays has no maintenance fees for any account.
Potential Drawbacks
- Barclays' higher APY requires a minimum balance of $250,000.
- Barclays' Online Savings account has a lower APY of 3.70%.
Vio Bank
Strengths
- Vio Bank's Online Savings Account offers a competitive APY of 4.21%.
- Vio Bank has no minimum balance requirement for its Online Savings Account.
Potential Drawbacks
- Vio Bank has a lower App Store rating of 4.6 and a Google Play rating of 3.3.
- Vio Bank charges a $5 maintenance fee if electronic statements are not selected.
→ As of November 12, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Vio Bank yields $31 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Vio Bank pays $421 - an APY advantage for Vio Bank.
→ In addition, Barclays also offers 3.70% APY for the Online Savings account.
Calculate Savings Growth for Barclays vs Vio Bank
Barclays - Tiered Savings
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $200.6 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Barclays' vs Vio Bank's Savings Accounts
| Barclays | Vio Bank | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Online Savings Account |
| APY | 3.90% - 4.10% (as of 11/12/2025) | 3.70% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $100 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $0 | |
| Maintenance Fee | $0 | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.9/5 | 4.6/5 | ||
| Google Play Rating | 4.7/5 | 3.3/5 | ||
| BBB Rating | A+ | A+ | ||
No historical data available.