High-Yield Savings Account Comparison

GO2bank vs. Pibank

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.

GO2bank

High Yield Savings

Up to
4.50%
APY
Dec 6, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 0.00% – 4.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Pibank

Pibank Savings

4.60%
APY
Dec 6, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Mobile Ratings
iOS:2.4Android:1.7
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing GO2bank vs. Pibank

Updated: Dec 6, 2025

Why GO2bank?

  • ✓Higher rated iOS app (4.8 vs 2.4)
  • ✓Higher rated Android app (4.5 vs 1.7)

Why Pibank?

  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
Pibank

Pibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $225/yr).

Better Returns at $25,000
Pibank

Pibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $225/yr).

Best for Simplicity
Pibank

Pibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
GO2bank

GO2bank offers an iOS app rated 4.8 (vs. 2.4) and Android app rated 4.5 (vs. 1.7)

Shared Benefits

Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Pibank's Pibank Savings pays $235 more interest on a $10,000 balance than GO2bank's High Yield Savings.

GO2bankPibank
Automated Data Audit

Executive Summary

Pibank offers a competitive savings product, the Pibank Savings, with an APY of 4.60%, which is higher than GO2bank's High Yield Savings at 4.50%. Pibank's account has no maintenance fees and does not require a checking account or direct deposit, making it a straightforward option for savers. In contrast, GO2bank requires a checking account to open its savings account, and the 4.50% APY is capped at $5,000, with balances above that earning no interest. Both banks operate online only, providing easy access to their services.

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.

ExploreGO2bankExplorePibank

Top Market Contenders

See who beats both GO2bank and Pibank.

Compare All High-Yield Savings Accounts
Varo Bank
High-Yield Savings Account
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
5.00% APY
+0.40% vs Pibank
Better Rate
Varo Bank vs GO2bankVaro Bank vs Pibank
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
FDIC InsuredLow MinimumsChecking Bundle
4.75% APY
+0.15% vs Pibank
Better Rate
Fitness Bank vs GO2bankFitness Bank vs Pibank
FeatureGO2bankPibank
APY
4.50%
0
Verified: 12/6/2025
Stable (90d)
4.60%
Verified: 12/6/2025
Stable (90d)
Product NameHigh Yield SavingsPibank Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0.01
Monthly Fee$5 per month, unless you set up direct deposit$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.5
iOS2.4
Android1.7
BBB RatingNot RatedA
Important NotesA GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.-
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Pibank earns $1,594.9 more than GO2bank.

GO2bank

High Yield Savings

4.50% APY

4.50% on first $5,000 and 0.00% thereafter.

Savings Breakdown

  • Interest Earned
    +$1,230.90(6.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,230.90

Effective APY
2.08%
View Details

Pibank

Pibank Savings

4.60% APY

Savings Breakdown

  • Interest Earned
    +$2,825.80(13.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,825.80

Effective APY
4.60%
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
MetricGO2bankPibank
High Yield SavingsPibank Savings
Current APY
4.50%4.60%
Trend
 Stable Stable
Velocity (bps/mo)
0.00.0
Days Since Change
121121
4-Month High
4.50%4.60%
4-Month Low
4.50%4.60%
Adjustments / Mo
0.000.00
Volatility Score
0.0000.000
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 122-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 Alternatives

Compare GO2bank vs...

Comparing against other Bundled Accounts

vs GO2bank
Axos BankChecking Bundle
4.31%
APY
vs GO2bank
SoFi BankChecking Bundle
4.30%
APY
vs GO2bank
Presidential BankChecking Bundle
4.00%
APY

Compare Pibank vs...

Comparing against Standard Savings

vs Pibank
Neighbors BankNo Bundle Req
4.50%
APY
vs Pibank
TIMBRNo Bundle Req
4.40%
APY
vs Pibank
Newtek BankNo Bundle Req
4.35%
APY

More Comparisons

Compare GO2bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
GO2bank vs Ally Bank3.30%$0
GO2bank vs American Express3.40%$0
GO2bank vs Axos Bank4.31%$0
GO2bank vs Bank of America0.01%$100
GO2bank vs Barclays4.00%$0
GO2bank vs Bask Bank3.90%$0
GO2bank vs BMO Alto3.25%$0
GO2bank vs BrioDirect4.00%$5,000
GO2bank vs Capital One3.40%$0
GO2bank vs Chase Bank0.01%$0
GO2bank vs Chime3.50%$0
GO2bank vs CIT Bank3.75%$100
GO2bank vs Citibank3.30%$0
GO2bank vs Citizens Access™3.35%$0.01
GO2bank vs Climate First Bank4.21%$50
GO2bank vs Discover Bank3.40%$0
GO2bank vs Elevault4.08%$0
GO2bank vs EverBank4.05%$0
GO2bank vs Fitness Bank4.75%$100
GO2bank vs FNBO Direct3.00%$1
GO2bank vs Forbright Bank4.00%$0
GO2bank vs FVCbank3.85%$500
GO2bank vs Ivy Bank4.25%$2,500
GO2bank vs LendingClub4.20%$0
GO2bank vs Marcus by Goldman Sachs3.65%$0
GO2bank vs Neighbors Bank4.50%$0
GO2bank vs Newtek Bank4.35%$0.01
GO2bank vs Openbank4.20%$500
GO2bank vs Peak Bank4.20%$100
GO2bank vs PNC3.53%$0
GO2bank vs Presidential Bank4.00%$5,000
GO2bank vs Quontic Bank3.75%$100
GO2bank vs Salem Five Direct3.71%$10
GO2bank vs Santander Bank0.01%$25
GO2bank vs SoFi Bank4.30%$0
GO2bank vs Synchrony Bank3.65%$0
GO2bank vs TIMBR4.40%$1,000
GO2bank vs UFB Direct3.71%$5000
GO2bank vs Valley Direct4.10%$1,000
GO2bank vs Varo Bank5.00%$0
GO2bank vs Vio Bank4.16%$100
GO2bank vs Wealthfront4.15%$0
GO2bank vs Wells Fargo0.05%$25
GO2bank vs Zynlo Bank4.05%$10
Compare Pibank's APY of 4.60% with other banks
Bank PairCompetitor APYMin Deposit
Pibank vs Ally Bank3.30%$0
Pibank vs American Express3.40%$0
Pibank vs Axos Bank4.31%$0
Pibank vs Bank of America0.01%$100
Pibank vs Barclays4.00%$0
Pibank vs Bask Bank3.90%$0
Pibank vs BMO Alto3.25%$0
Pibank vs BrioDirect4.00%$5,000
Pibank vs Capital One3.40%$0
Pibank vs Chase Bank0.01%$0
Pibank vs Chime3.50%$0
Pibank vs CIT Bank3.75%$100
Pibank vs Citibank3.30%$0
Pibank vs Citizens Access™3.35%$0.01
Pibank vs Climate First Bank4.21%$50
Pibank vs Discover Bank3.40%$0
Pibank vs Elevault4.08%$0
Pibank vs EverBank4.05%$0
Pibank vs Fitness Bank4.75%$100
Pibank vs FNBO Direct3.00%$1
Pibank vs Forbright Bank4.00%$0
Pibank vs FVCbank3.85%$500
Pibank vs Ivy Bank4.25%$2,500
Pibank vs LendingClub4.20%$0
Pibank vs Marcus by Goldman Sachs3.65%$0
Pibank vs Neighbors Bank4.50%$0
Pibank vs Newtek Bank4.35%$0.01
Pibank vs Openbank4.20%$500
Pibank vs Peak Bank4.20%$100
Pibank vs PNC3.53%$0
Pibank vs Presidential Bank4.00%$5,000
Pibank vs Quontic Bank3.75%$100
Pibank vs Salem Five Direct3.71%$10
Pibank vs Santander Bank0.01%$25
Pibank vs SoFi Bank4.30%$0
Pibank vs Synchrony Bank3.65%$0
Pibank vs TIMBR4.40%$1,000
Pibank vs UFB Direct3.71%$5000
Pibank vs Valley Direct4.10%$1,000
Pibank vs Varo Bank5.00%$0
Pibank vs Vio Bank4.16%$100
Pibank vs Wealthfront4.15%$0
Pibank vs Wells Fargo0.05%$25
Pibank vs Zynlo Bank4.05%$10