Bread Savings vs. Wealthfront
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
Wealthfront
Cash Account
Up to4.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.15%Show Fine Print & Trends Hide Details
Wealthfront
Cash 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. Wealthfront Savings Calculator
Wealthfront earns $32.4 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
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$2,531.80(12.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,531.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Wealthfront
Why Bread Savings?
- ✓No checking account or direct deposit required
Why Wealthfront?
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 4.5)
Shared Benefits
Over a 1-year period, Wealthfront's Cash Account pays $5 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
Wealthfront's Cash Account stands out with a promotional APY of 4.15% for the first three months, after which it drops to 3.50%. Bread Savings offers a High-Yield Savings Account with a consistent APY of 4.10%. Both accounts are online-only and have no maintenance fees or minimum balance requirements. Wealthfront's account is notable for its mobile app experience, while Bread Savings emphasizes simplicity with no direct deposit requirement. Overall, Wealthfront's initial higher APY makes it the winner, although both options are competitive.
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 Wealthfront.
| Feature | Bread Savings | Wealthfront |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.15% Range: 3.50% - 4.15% Verified: 12/10/2025 - |
| Product Name | High-Yield Savings Account | Cash Account |
| 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 Android4.5 | iOS4.8 Android4.9 |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Wealthfront |
|---|---|---|
| High-Yield Savings Account | Cash Account | |
Current APY | 4.10% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -12.2 | 0.0 |
Days Since Change | 5 | 26 |
1-Month High | 4.20% | 4.15% |
1-Month Low | 4.10% | 4.15% |
Adjustments / Mo | 2.22 | 0.00 |
Volatility Score | 0.008 | 0.000 |
How to read these metrics(Click to expand)
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