Chase Bank vs. Santander Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
Santander Bank
Santander Savings
0.01%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Santander Bank
Santander Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Chase Bank vs. Santander Bank
Why Chase Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.6 vs 4.0)
Why Santander Bank?
- ✓Physical branch access (Primarily in the Northeast and Miami, Florida)
Shared Benefits
Executive Summary
Chase Bank offers the Chase Savings℠ account with an APY of 0.01%, while Santander Bank provides the Santander Savings account, also with an APY of 0.01%. The rates for both banks are comparable. Chase's account has a maintenance fee of $5, which can be waived under certain conditions, whereas Santander's account has a lower maintenance fee of $1. Both accounts do not require direct deposit and have no minimum balance requirements, making them accessible options for savers.
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.
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| Feature | Chase Bank | Santander Bank |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 0.01% Verified: 12/6/2025 ↘︎ 0.02%90d Change |
| Product Name | Chase Savings℠ | Santander Savings |
| Minimum Deposit | $0 | $25 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $1 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.8 Android4.0 |
| BBB Rating | A- | Not Rated |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps |
Savings Comparison
Both accounts earn exactly the same amount.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
Santander Bank
Santander Savings
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Santander Bank |
|---|---|---|
| Chase Savings℠ | Santander Savings | |
Current APY | 0.01% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -0.2 |
Days Since Change | 311 | 78 |
10-Month High | 0.01% | 0.03% |
10-Month Low | 0.01% | 0.01% |
Adjustments / Mo | 0.00 | 0.10 |
Volatility Score | 0.000 | 0.379 |
How to read these metrics(Click to expand)
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