Bread Savings vs. Pibank
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
Pibank
Pibank Savings
4.60%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank 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. Pibank Savings Calculator
Pibank earns $326.4 more than Bread Savings.
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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Pibank
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 2.4)
- ✓Higher rated Android app (4.5 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.10%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $410/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1025/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. 2.4) and Android app rated 4.5 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $50 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.
Executive Summary
Pibank offers a competitive high-yield savings account with an APY of 4.60%, making it the winner in this comparison. This account has no minimum deposit requirement and no maintenance fees, providing better returns compared to Bread Savings, which offers an APY of 4.10%. While Bread Savings features a strong mobile app experience, its savings account requires a minimum deposit of $100. Both banks operate online only and do not require direct deposit, making them accessible for users looking for straightforward savings options.
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.
| Feature | Bread Savings | Pibank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.60% Verified: 12/10/2025 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS2.4 Android1.7 |
| BBB Rating | A+ | A |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Pibank |
|---|---|---|
| High-Yield Savings Account | Pibank Savings | |
Current APY | 4.10% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -0.0 |
Days Since Change | 5 | 294 |
10-Month High | 4.40% | 4.60% |
10-Month Low | 4.10% | 4.60% |
Adjustments / Mo | 0.60 | 0.00 |
Volatility Score | 0.019 | 0.000 |
How to read these metrics(Click to expand)
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