Betterment vs. Pibank
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
Pibank
Pibank Savings
4.60%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
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.
Betterment vs. Pibank Savings Calculator
Pibank earns $711.7 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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Pibank
Why Betterment?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.7 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $350/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $875/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BettermentBetterment offers an iOS app rated 4.8 (vs. 2.4) and Android app rated 4.7 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $110 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
Pibank offers a competitive savings product, the Pibank Savings account, with a notable APY of 4.60%, making it the winner in this comparison. This account requires a minimum balance of just $0.01 and has no maintenance fees, providing an attractive option for savers. In contrast, Betterment's Cash Reserve account offers a lower APY of 3.50% and also has no minimum balance or maintenance fees, but it lacks the higher yield that Pibank provides. Both banks operate online only, and neither requires direct deposit for their savings accounts.
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.
| Feature | Betterment | Pibank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.60% Verified: 12/10/2025 Stable (90d) |
| Product Name | Cash Reserve | Pibank Savings |
| Minimum Deposit | $10 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS2.4 Android1.7 |
| BBB Rating | A- | A |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Pibank |
|---|---|---|
| Cash Reserve | Pibank Savings | |
Current APY | 3.50% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.2 | -0.0 |
Days Since Change | 39 | 294 |
10-Month High | 4.00% | 4.60% |
10-Month Low | 3.50% | 4.60% |
Adjustments / Mo | 0.20 | 0.00 |
Volatility Score | 0.050 | 0.000 |
How to read these metrics(Click to expand)
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