Bread Savings vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
GO2bank
High Yield Savings
Up to4.50%APYDec 10, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield 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.
Bread Savings vs. GO2bank Savings Calculator
Bread Savings earns $1,268.5 more than GO2bank.
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
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. GO2bank
Why Bread Savings?
- ✓No checking account or direct deposit required
Why GO2bank?
- ✓Higher potential APY (4.50% vs 4.10%) on balances up to $5,000 (requires checking bundle)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $225/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $225/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $185 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive 4.50% APY, making it the winner in this comparison. However, it requires a GO2bank checking account to open the savings account, and the high APY applies only to balances up to $5,000, with amounts above that earning no interest. In contrast, Bread Savings provides a High-Yield Savings Account with a 4.10% APY, which is notable for its simplicity, as it has no direct deposit requirement or maintenance fees. Both banks operate online only and are FDIC insured.
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 Bread Savings and GO2bank.
| Feature | Bread Savings | GO2bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.50% 0Verified: 12/10/2025 Stable (90d) |
| Product Name | High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.5 |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | GO2bank |
|---|---|---|
| High-Yield Savings Account | High Yield Savings | |
Current APY | 4.10% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.1 | 0.0 |
Days Since Change | 5 | 126 |
4-Month High | 4.25% | 4.50% |
4-Month Low | 4.10% | 4.50% |
Adjustments / Mo | 0.71 | 0.00 |
Volatility Score | 0.010 | 0.000 |
How to read these metrics(Click to expand)
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