Bread Savings vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bread SavingsHigh-Yield Savings Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.05% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Bread Savings vs. Jenius Bank
As of both Bread Savings (High-Yield Savings Account) and Jenius Bank (Jenius Savings) offer an APY of 4.05% .
Both banks yield $405 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.6)
Why Jenius Bank?
No distinct advantages found vs Bread Savings.
— Key Feature Differences —
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Executive Summary as of
Both Bread Savings and Jenius Bank offer competitive high-yield savings accounts with an APY of 4.05%. Bread Savings stands out with its superior mobile app experience, featuring an iOS app rated 4.7 and an Android app rated 4.6. Both accounts require no minimum balance, have no maintenance fees, and are online-only, making them accessible without physical branches. Additionally, neither bank requires direct deposit for account access. Overall, while their APYs are identical, Bread Savings may appeal more to users prioritizing mobile banking.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bread Savings vs. Jenius Bank Savings Calculator
Both accounts earn exactly the same amount.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bread Savings | Jenius Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Jenius Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.7 Android4.6 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Jenius Bank |
|---|---|---|
| High-Yield Savings Account | Jenius Savings | |
Current APY | 4.05% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.9 | -2.8 |
Days Since Change | 19 | 50 |
11-Month High | 4.40% | 4.50% |
11-Month Low | 4.05% | 4.05% |
Adjustments / Mo | 0.60 | 0.17 |
Volatility Score | 0.025 | 0.030 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Bread Savings vs...
Comparing against Standard Savings
Compare Jenius Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.