Bread Savings vs. Citibank
Comparing Bread Savings and Citibank for high-yield savings: Bread Savings's High-Yield Savings Account pays 4.00% APY while Citibank's Citi Accelerate Savings pays 3.20% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bread Savings pays $80 more than Citibank annually ($400 vs $320).
Choose Bread Savings if getting the best rate matters most, or BBB rating matters to you. Choose Citibank if you want Zelle for quick transfers.
Important Considerations
Citibank's Accelerate Savings is only available in select states where Citi has no branch presence. Check eligibility before applying.
| Metric | Bread SavingsHigh-Yield Savings Account Feb 6, 2026 | CitibankCiti Accelerate Savings Feb 6, 2026 |
|---|---|---|
| APY | 4.00% | 3.20% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$160 $10,000+$320 $25,000+$800 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Bread Savings vs. Citibank
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the superior choice compared to Citibank's Citi Accelerate Savings, which provides a lower APY of 3.20%. Bread Savings stands out for its simplicity, requiring no direct deposit and no maintenance fees, while also allowing for a minimum deposit of just $100. In contrast, Citibank's account has a minimum balance requirement of $0.01 and a potential maintenance fee unless certain balance conditions are met. Additionally, eligibility for Citibank is restricted to select states, while Bread Savings is available online only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bread Savings?
- ✓Higher potential APY (4.00% vs 3.20%) on all balances
- ✓Available Nationwide
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $320/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $800/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
CitibankCitibank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.6)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $80 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*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
Top Market Contenders
Bread Savings vs. Citibank Savings Calculator
You earn $80 more with Bread Savings than Citibank 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.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
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 $319 per year in interest.
Both Bread Savings and Citibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Bread Savings | Citibank |
|---|---|---|
| APY | 4.00% Verified: 2/6/2026 ↘︎ 0.20%90d Change | 3.20% Verified: 2/6/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Citi Accelerate Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $4.50. Waived for average monthly balances > $500 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). |
| BBB Rating | A+ | D- |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Bread Savings Non-sponsored link to official site | Visit SiteVerify at Citibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Citibank | |
|---|---|---|---|
| High-Yield Savings Account | Citi® Savings Account | Citi Accelerate Savings | |
Current APY | 4.00% | 0.03% | 3.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | 0.0 | -4.7 |
Days Since Change | 21 | 365 | 10 |
12-Month High | 4.40% | 0.03% | 3.80% |
12-Month Low | 4.00% | 0.03% | 3.20% |
Adjustments / Mo | 0.66 | 0.00 | 0.58 |
Volatility Score | 0.029 | 0.000 | 0.049 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Bread Savings' APY of 4.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bread Savings vs Ally Bank | 3.30% | $0 |
| Bread Savings vs American Express | 3.30% | $0 |
| Bread Savings vs Axos Bank | 4.21% | $0 |
| Bread Savings vs Bank of America | 0.01% | $100 |
| Bread Savings vs Barclays | 4.00% | $0 |
| Bread Savings vs Capital One | 3.30% | $0 |
| Bread Savings vs Chase Bank | 0.01% | $0 |
| Bread Savings vs Chime | 3.00% | $0 |
| Bread Savings vs CIT Bank | 3.75% | $100 |
| Bread Savings vs Discover Bank | 3.30% | $0 |
| Bread Savings vs EverBank | 3.90% | $0 |
| Bread Savings vs Marcus by Goldman Sachs | 3.65% | $0 |
| Bread Savings vs Newtek Bank | 4.20% | $0.01 |
| Bread Savings vs Openbank | 4.09% | $500 |
| Bread Savings vs Pibank | 4.60% | $0 |
| Bread Savings vs SoFi Bank | 4.00% | $0 |
| Bread Savings vs Synchrony Bank | 3.50% | $0 |
| Bread Savings vs Varo Bank | 5.00% | $0 |
| Bread Savings vs Wealthfront | 3.95% | $0 |
| Bread Savings vs Wells Fargo | 0.05% | $25 |