Bread Savings vs. Vio Bank
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
Vio Bank
Online Savings Account
4.16%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Vio Bank
Online Savings Account
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. Vio Bank Savings Calculator
Vio Bank earns $38.9 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$2,538.30(12.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,538.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Vio Bank
Why Bread Savings?
- ✓Higher rated Android app (4.5 vs 3.4)
Why Vio Bank?
No distinct advantages found vs Bread Savings.
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $6 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
Vio Bank offers a competitive Online Savings Account with an APY of 4.16%, making it the winner in this comparison. In contrast, Bread Savings provides a High-Yield Savings Account with a slightly lower APY of 4.10%. Both accounts require a minimum deposit of $100, have no maintenance fees (if electronic statements are selected for Vio Bank), and are online-only options. Additionally, neither account mandates direct deposit for eligibility, allowing for flexible access to funds.
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 Vio Bank.
| Feature | Bread Savings | Vio Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.16% Verified: 12/10/2025 - |
| Product Name | High-Yield Savings Account | Online Savings Account |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Vio Bank |
|---|---|---|
| High-Yield Savings Account | Online Savings Account | |
Current APY | 4.10% | 4.16% |
Trend | Stable | Stable |
Velocity (bps/mo) | -12.2 | -6.4 |
Days Since Change | 5 | 19 |
1-Month High | 4.20% | 4.21% |
1-Month Low | 4.10% | 4.16% |
Adjustments / Mo | 2.22 | 1.11 |
Volatility Score | 0.008 | 0.005 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Bread Savings vs...
Comparing against Standard Savings
Compare Vio Bank vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.