High-Yield Savings Account Comparison

BMO Alto vs. Bread Savings

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

BMO Alto

Savings Account

3.25%
APY
Dec 10, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16571)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Bread Savings

High-Yield Savings Account

4.10%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57570)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

7 days
↘︎ 0.05%
30 days
↘︎ 0.10%
90 days
↘︎ 0.15%
Read Bank Overview

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.

See Top Rates

BMO Alto vs. Bread Savings Savings Calculator

Calculations based on current APY for Savings Account and High-Yield Savings Account
$
$

Bread Savings earns $543.9 more than BMO Alto.

BMO Alto

Savings Account

3.25% APY

Savings Breakdown

  • Interest Earned
    +$1,955.50(9.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,955.50

Effective APY
3.25%
View Details

Bread Savings

High-Yield Savings Account

4.10% APY

Savings Breakdown

  • Interest Earned
    +$2,499.40(12.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,499.40

Effective APY
4.10%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing BMO Alto vs. Bread Savings

Updated: Dec 10, 2025

Why BMO Alto?

No distinct advantages found vs Bread Savings.

Why Bread Savings?

  • ✓Higher potential APY (4.10% vs 3.25%) on all balances
  • ✓Higher rated iOS app (4.7 vs 0.0)
  • ✓Higher rated Android app (4.5 vs 0.0)

— Key Feature Differences —

Better Returns at $10,000
Bread Savings

Bread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $325/yr).

Better Returns at $25,000
Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $813/yr).

Best for Simplicity
Bread Savings

Bread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Bread Savings

Bread Savings offers an iOS app rated 4.7 (vs. 0.0) and Android app rated 4.5 (vs. 0.0)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Bread Savings's High-Yield Savings Account pays $85 more interest on a $10,000 balance than BMO Alto's Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

BMO AltoBread Savings
Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the superior choice compared to BMO Alto's Savings Account, which has an APY of 3.25%. Both accounts require no maintenance fees and have no minimum balance requirements, but Bread Savings does require a minimum deposit of $100. Additionally, Bread Savings is noted for its excellent mobile app experience and provides better returns at various deposit levels. Both accounts are online-only and do not require direct deposit.

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.

ExploreBMO AltoExploreBread Savings

Top Market Contenders

See who beats both BMO Alto and Bread Savings.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.50% vs Bread Savings
Better Rate
Pibank vs BMO AltoPibank vs Bread Savings
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.21% vs Bread Savings
Better Rate
Axos Bank vs BMO AltoAxos Bank vs Bread Savings
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.30% vs Bread Savings
Better Rate
TIMBR vs BMO AltoTIMBR vs Bread Savings
FeatureBMO AltoBread Savings
APY
3.25%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.10%
Verified: 12/10/2025
↘︎ 0.15%90d Change
Product NameSavings AccountHigh-Yield Savings Account
Minimum Deposit$0$100
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS-
Android-
iOS4.7
Android4.5
BBB RatingA+A+
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricBMO AltoBread Savings
Savings AccountHigh-Yield Savings Account
Current APY
3.25%4.10%
Trend
 Stable Stable
Velocity (bps/mo)
-7.0-2.6
Days Since Change
825
11-Month High
4.10%4.40%
11-Month Low
3.25%4.10%
Adjustments / Mo
0.470.56
Volatility Score
0.0680.020
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 322-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare BMO Alto vs...

Comparing against Standard Savings

vs BMO Alto
PibankNo Bundle Req
4.60%
APY
vs BMO Alto
TIMBRNo Bundle Req
4.40%
APY
vs BMO Alto
Newtek BankNo Bundle Req
4.35%
APY

Compare Bread Savings vs...

Comparing against Standard Savings

vs Bread Savings
PibankNo Bundle Req
4.60%
APY
vs Bread Savings
TIMBRNo Bundle Req
4.40%
APY
vs Bread Savings
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare BMO Alto's APY of 3.25% with other banks
Bank PairCompetitor APYMin Deposit
BMO Alto vs Affirm3.60%$0
BMO Alto vs Ally Bank3.30%$0
BMO Alto vs American Express3.40%$0
BMO Alto vs Axos Bank4.31%$0
BMO Alto vs Bank of America0.01%$100
BMO Alto vs Barclays4.00%$0
BMO Alto vs Bask Bank3.90%$0
BMO Alto vs Betterment3.50%$10
BMO Alto vs BrioDirect4.00%$5,000
BMO Alto vs Capital One3.40%$0
BMO Alto vs Charles Schwab Bank0.15%$0
BMO Alto vs Chase Bank0.01%$0
BMO Alto vs Chime3.50%$0
BMO Alto vs CIT Bank3.75%$100
BMO Alto vs Citibank3.30%$0
BMO Alto vs Citizens Access™3.15%$0.01
BMO Alto vs Climate First Bank4.21%$50
BMO Alto vs Discover Bank3.40%$0
BMO Alto vs E*TRADE from Morgan Stanley3.75%$0
BMO Alto vs Elevault4.08%$0
BMO Alto vs EverBank4.05%$0
BMO Alto vs Fitness Bank4.75%$100
BMO Alto vs FNBO Direct3.00%$1
BMO Alto vs Forbright Bank4.00%$0
BMO Alto vs FVCbank3.85%$500
BMO Alto vs GO2bank4.50%$0
BMO Alto vs Ivy Bank4.25%$2,500
BMO Alto vs LendingClub4.20%$0
BMO Alto vs Marcus by Goldman Sachs3.65%$0
BMO Alto vs Neighbors Bank4.30%$0
BMO Alto vs Newtek Bank4.35%$0.01
BMO Alto vs Openbank4.20%$500
BMO Alto vs Peak Bank4.20%$100
BMO Alto vs Pibank4.60%$0
BMO Alto vs PNC3.53%$0
BMO Alto vs Presidential Bank4.00%$5,000
BMO Alto vs Quontic Bank3.75%$100
BMO Alto vs Salem Five Direct3.71%$10
BMO Alto vs Sallie Mae Bank3.90%$0
BMO Alto vs Santander Bank0.01%$25
BMO Alto vs SoFi Bank4.30%$0
BMO Alto vs Synchrony Bank3.65%$0
BMO Alto vs TD Bank2.75%$0
BMO Alto vs TIMBR4.40%$1,000
BMO Alto vs UFB Direct3.71%$5000
BMO Alto vs Upgrade3.05%$0
BMO Alto vs Valley Direct4.10%$1,000
BMO Alto vs Varo Bank5.00%$0
BMO Alto vs Vio Bank4.16%$100
BMO Alto vs Wealthfront4.15%$0
BMO Alto vs Wells Fargo0.05%$25
BMO Alto vs Zynlo Bank4.05%$10
Compare Bread Savings' APY of 4.10% with other banks
Bank PairCompetitor APYMin Deposit
Bread Savings vs Affirm3.60%$0
Bread Savings vs Ally Bank3.30%$0
Bread Savings vs American Express3.40%$0
Bread Savings vs Axos Bank4.31%$0
Bread Savings vs Bank of America0.01%$100
Bread Savings vs Barclays4.00%$0
Bread Savings vs Bask Bank3.90%$0
Bread Savings vs Betterment3.50%$10
Bread Savings vs BrioDirect4.00%$5,000
Bread Savings vs Capital One3.40%$0
Bread Savings vs Charles Schwab Bank0.15%$0
Bread Savings vs Chase Bank0.01%$0
Bread Savings vs Chime3.50%$0
Bread Savings vs CIT Bank3.75%$100
Bread Savings vs Citibank3.30%$0
Bread Savings vs Citizens Access™3.15%$0.01
Bread Savings vs Climate First Bank4.21%$50
Bread Savings vs Discover Bank3.40%$0
Bread Savings vs E*TRADE from Morgan Stanley3.75%$0
Bread Savings vs Elevault4.08%$0
Bread Savings vs EverBank4.05%$0
Bread Savings vs Fitness Bank4.75%$100
Bread Savings vs FNBO Direct3.00%$1
Bread Savings vs Forbright Bank4.00%$0
Bread Savings vs FVCbank3.85%$500
Bread Savings vs GO2bank4.50%$0
Bread Savings vs Ivy Bank4.25%$2,500
Bread Savings vs LendingClub4.20%$0
Bread Savings vs Marcus by Goldman Sachs3.65%$0
Bread Savings vs Neighbors Bank4.30%$0
Bread Savings vs Newtek Bank4.35%$0.01
Bread Savings vs Openbank4.20%$500
Bread Savings vs Peak Bank4.20%$100
Bread Savings vs Pibank4.60%$0
Bread Savings vs PNC3.53%$0
Bread Savings vs Presidential Bank4.00%$5,000
Bread Savings vs Quontic Bank3.75%$100
Bread Savings vs Salem Five Direct3.71%$10
Bread Savings vs Sallie Mae Bank3.90%$0
Bread Savings vs Santander Bank0.01%$25
Bread Savings vs SoFi Bank4.30%$0
Bread Savings vs Synchrony Bank3.65%$0
Bread Savings vs TD Bank2.75%$0
Bread Savings vs TIMBR4.40%$1,000
Bread Savings vs UFB Direct3.71%$5000
Bread Savings vs Upgrade3.05%$0
Bread Savings vs Valley Direct4.10%$1,000
Bread Savings vs Varo Bank5.00%$0
Bread Savings vs Vio Bank4.16%$100
Bread Savings vs Wealthfront4.15%$0
Bread Savings vs Wells Fargo0.05%$25
Bread Savings vs Zynlo Bank4.05%$10