Betterment vs. Pibank
Comparing Betterment and Pibank for high-yield savings: Betterment's Cash Reserve pays 3.25% APY while Pibank's Pibank Savings pays 4.60% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $135 more than Betterment annually ($460 vs $325).
Choose Betterment if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | BettermentCash Reserve Feb 7, 2026 | PibankPibank Savings Feb 7, 2026 |
|---|---|---|
| APY | 3.25% | 4.60% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $10 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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 Betterment vs. Pibank
Executive Summary
Pibank offers a superior savings option with its Pibank Savings account, providing an APY of 4.60%, significantly higher than Betterment's Cash Reserve at 3.25%. Both accounts have no maintenance fees and do not require direct deposit, making them accessible for users. Pibank's account is noted for its simplicity, with no bundling or caps, and it compounds daily. Betterment, while offering a competitive mobile app experience, features a lower yield and is also an online-only option. For those seeking higher returns, Pibank is the clear choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Betterment?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.7 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.25%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $325/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $813/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. 2.3) and Android app rated 4.7 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $135 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.
Non-sponsored link to official site
Non-sponsored link to official site
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Betterment vs. Pibank Savings Calculator
You earn $135 more with Pibank than Betterment 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.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $324 per year in interest.
Both Betterment and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Betterment | Pibank |
|---|---|---|
| APY | 3.25% Verified: 2/7/2026 ↘︎ 0.25%90d Change | 4.60% Verified: 2/7/2026 Stable (90d) |
| Product Name | Cash Reserve | Pibank Savings |
| Minimum Deposit | $10 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | N/A | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A |
| Next Steps | Visit SiteVerify at Betterment Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Pibank |
|---|---|---|
| Cash Reserve | Pibank Savings | |
Current APY | 3.25% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.6 | -0.0 |
Days Since Change | 56 | 358 |
12-Month High | 4.00% | 4.60% |
12-Month Low | 3.25% | 4.60% |
Adjustments / Mo | 0.25 | 0.00 |
Volatility Score | 0.082 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Betterment's APY of 3.25% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Betterment vs Ally Bank | 3.30% | $0 |
| Betterment vs American Express | 3.30% | $0 |
| Betterment vs Axos Bank | 4.21% | $0 |
| Betterment vs Bank of America | 0.01% | $100 |
| Betterment vs Barclays | 4.00% | $0 |
| Betterment vs Capital One | 3.30% | $0 |
| Betterment vs Chase Bank | 0.01% | $0 |
| Betterment vs Chime | 3.00% | $0 |
| Betterment vs CIT Bank | 3.75% | $100 |
| Betterment vs Citibank | 3.20% | $0 |
| Betterment vs Discover Bank | 3.30% | $0 |
| Betterment vs EverBank | 3.90% | $0 |
| Betterment vs Marcus by Goldman Sachs | 3.65% | $0 |
| Betterment vs Newtek Bank | 4.20% | $0.01 |
| Betterment vs Openbank | 4.09% | $500 |
| Betterment vs SoFi Bank | 4.00% | $0 |
| Betterment vs Synchrony Bank | 3.50% | $0 |
| Betterment vs Varo Bank | 5.00% | $0 |
| Betterment vs Wealthfront | 3.95% | $0 |
| Betterment vs Wells Fargo | 0.05% | $25 |