Betterment vs. Bread Savings
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Betterment vs. Bread Savings Savings Calculator
Bread Savings earns $385.3 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Bread Savings
Why Betterment?
No distinct advantages found vs Bread Savings.
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $350/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $875/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BettermentBetterment offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.5)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $60 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner in this comparison. This account requires a minimum deposit of $100 and has no maintenance fees, providing a straightforward savings option without any direct deposit requirements. In contrast, Betterment's Cash Reserve offers a lower APY of 3.50% and also has no direct deposit requirement, but it requires only a $10 minimum deposit. Both accounts are online-only and FDIC insured, catering to users seeking digital banking solutions.
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 Betterment and Bread Savings.
| Feature | Betterment | Bread Savings |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change |
| Product Name | Cash Reserve | High-Yield Savings Account |
| Minimum Deposit | $10 | $100 |
| Min. Balance for APY | $0 | $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 | iOS4.8 Android4.7 | iOS4.7 Android4.5 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Bread Savings |
|---|---|---|
| Cash Reserve | High-Yield Savings Account | |
Current APY | 3.50% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -2.7 |
Days Since Change | 39 | 5 |
12-Month High | 4.25% | 4.60% |
12-Month Low | 3.50% | 4.10% |
Adjustments / Mo | 0.25 | 0.67 |
Volatility Score | 0.048 | 0.022 |
How to read these metrics(Click to expand)
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