High-Yield Savings Account Comparison

FNBO Direct vs. Santander Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Santander Bank

Santander Savings

0.01%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$1
Compound FreqDaily
Direct DepositNot required
Branch AccessPrimarily in the Northeast and Miami, Florida
Deposit InsuranceFDIC Insured(Cert: 29950)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.02%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Comparison Analysis

Comparing FNBO Direct vs. Santander Bank

Updated: Dec 6, 2025

Why FNBO Direct?

  • ✓Higher potential APY (3.00% vs 0.01%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.8 vs 4.0)

Why Santander Bank?

  • ✓Physical branch access (Primarily in the Northeast and Miami, Florida)

— Key Feature Differences —

Better Returns at $10,000
FNBO Direct

FNBO Direct's High-Yield Online Savings Account earns more on smaller deposits (approx. $300 vs $1/yr).

Better Returns at $25,000
FNBO Direct

FNBO Direct's High-Yield Online Savings Account pulls ahead with larger amounts (approx. $750 vs $3/yr).

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, FNBO Direct's High-Yield Online Savings Account pays $299 more interest on a $10,000 balance than Santander Bank's Santander Savings.

Santander BankFNBO Direct
Automated Data Audit

Executive Summary

FNBO Direct offers a High-Yield Online Savings Account with a competitive APY of 3.00%, making it a strong choice for savers looking to maximize returns, especially on smaller deposits. In contrast, Santander Bank's Savings account provides a significantly lower APY of just 0.01%. Both accounts have no maintenance fees, but FNBO Direct's account is online-only and requires a minimum deposit of $1, while Santander's account requires a minimum deposit of $25. Overall, FNBO Direct stands out as the winner due to its much higher yield.

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.

ExploreFNBO DirectExploreSantander Bank

Stop Losing Interest

See who beats both FNBO Direct and Santander Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.60% vs FNBO Direct
Better Rate
Pibank vs FNBO DirectPibank vs Santander Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+1.50% vs FNBO Direct
Better Rate
Neighbors Bank vs FNBO DirectNeighbors Bank vs Santander Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+1.31% vs FNBO Direct
Better Rate
Axos Bank vs FNBO DirectAxos Bank vs Santander Bank
FeatureFNBO DirectSantander Bank
APY
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
0.01%
Verified: 12/6/2025
↘︎ 0.02%90d Change
Product NameHigh-Yield Online Savings AccountSantander Savings
Minimum Deposit$1$25
Min. Balance for APY$0.01$0
Monthly Fee$0$1
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.5
Android4.8
iOS4.8
Android4.0
BBB RatingA+Not Rated
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

FNBO Direct earns $1,792.5 more than Santander Bank.

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

Santander Bank

Santander Savings

0.01% APY

Savings Breakdown

  • Interest Earned
    +$5.70(0.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$18,005.70

Effective APY
0.01%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricFNBO DirectSantander Bank
High-Yield Online Savings AccountSantander Savings
Current APY
3.00%0.01%
Trend
 Stable Stable
Velocity (bps/mo)
-8.3-0.6
Days Since Change
6478
4-Month High
3.25%0.03%
4-Month Low
3.00%0.01%
Adjustments / Mo
0.220.22
Volatility Score
0.0400.557
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 135-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY

Compare Santander Bank vs...

Comparing against Standard Savings

vs Santander Bank
PibankNo Bundle Req
4.60%
APY
vs Santander Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Santander Bank
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10
Compare Santander Bank's APY of 0.01% with other banks
Bank PairCompetitor APYMin Deposit
Santander Bank vs Ally Bank3.30%$0
Santander Bank vs American Express3.40%$0
Santander Bank vs Axos Bank4.31%$0
Santander Bank vs Bank of America0.01%$100
Santander Bank vs Barclays4.00%$0
Santander Bank vs Bask Bank3.90%$0
Santander Bank vs BMO Alto3.25%$0
Santander Bank vs BrioDirect4.00%$5,000
Santander Bank vs Capital One3.40%$0
Santander Bank vs Chase Bank0.01%$0
Santander Bank vs Chime3.50%$0
Santander Bank vs CIT Bank3.75%$100
Santander Bank vs Citibank3.30%$0
Santander Bank vs Citizens Access™3.35%$0.01
Santander Bank vs Climate First Bank4.21%$50
Santander Bank vs Discover Bank3.40%$0
Santander Bank vs Elevault4.08%$0
Santander Bank vs EverBank4.05%$0
Santander Bank vs Fitness Bank4.75%$100
Santander Bank vs Forbright Bank4.00%$0
Santander Bank vs FVCbank3.85%$500
Santander Bank vs GO2bank4.50%$0
Santander Bank vs Ivy Bank4.25%$2,500
Santander Bank vs LendingClub4.20%$0
Santander Bank vs Marcus by Goldman Sachs3.65%$0
Santander Bank vs Neighbors Bank4.50%$0
Santander Bank vs Newtek Bank4.35%$0.01
Santander Bank vs Openbank4.20%$500
Santander Bank vs Peak Bank4.20%$100
Santander Bank vs Pibank4.60%$0
Santander Bank vs PNC3.53%$0
Santander Bank vs Presidential Bank4.00%$5,000
Santander Bank vs Quontic Bank3.75%$100
Santander Bank vs Salem Five Direct3.71%$10
Santander Bank vs SoFi Bank4.30%$0
Santander Bank vs Synchrony Bank3.65%$0
Santander Bank vs TIMBR4.40%$1,000
Santander Bank vs UFB Direct3.71%$5000
Santander Bank vs Valley Direct4.10%$1,000
Santander Bank vs Varo Bank5.00%$0
Santander Bank vs Vio Bank4.16%$100
Santander Bank vs Wealthfront4.15%$0
Santander Bank vs Wells Fargo0.05%$25
Santander Bank vs Zynlo Bank4.05%$10