Bread Savings vs. Pibank
Comparing Bread Savings and Pibank for high-yield savings: Bread Savings's High-Yield Savings Account pays 4.00% 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 $60 more than Bread Savings annually ($460 vs $400).
Choose Bread Savings if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | Bread SavingsHigh-Yield Savings Account Feb 6, 2026 | PibankPibank Savings Feb 6, 2026 |
|---|---|---|
| APY | 4.00% | 4.60% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate 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 Bread Savings vs. Pibank
Executive Summary
Pibank offers a higher APY of 4.60% on its Pibank Savings account, making it the winner in this comparison. This account requires a minimum balance of just $0.01 and has no maintenance fees, providing a straightforward savings option without the need for direct deposit. In contrast, Bread Savings features a High-Yield Savings Account with an APY of 4.00%, which also has no minimum balance requirement and no maintenance fees, but is slightly less competitive in terms of interest rates. Both banks operate online-only and are FDIC insured.
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 rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.6 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $400/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1000/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 2.3) and Android app rated 4.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $60 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*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. Pibank Savings Calculator
You earn $60 more with Pibank than Bread Savings 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
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 $399 per year in interest.
Both Bread Savings and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Bread Savings | Pibank |
|---|---|---|
| APY | 4.00% Verified: 2/6/2026 ↘︎ 0.20%90d Change | 4.60% Verified: 2/6/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Pibank Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | 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 | YesVerify FDIC | YesVerify FDIC |
| 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 Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Pibank |
|---|---|---|
| High-Yield Savings Account | Pibank Savings | |
Current APY | 4.00% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -0.0 |
Days Since Change | 21 | 357 |
12-Month High | 4.40% | 4.60% |
12-Month Low | 4.00% | 4.60% |
Adjustments / Mo | 0.67 | 0.00 |
Volatility Score | 0.029 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Bread Savings vs...
Comparing against Standard Savings
Compare Pibank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
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 Citibank | 3.20% | $0 |
| 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 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 |