Go2bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of GO2bank vs. Wealthfront
Key Metrics at a Glance
| Feature | GO2bank | Wealthfront |
|---|---|---|
| Top Savings APY | 4.50% High Yield Savings | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. | 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. |
GO2bank
Strengths
- GO2bank offers a higher APY of 4.50% compared to Wealthfront's 4.15%.
- GO2bank has no minimum balance requirement for its High Yield Savings account.
- GO2bank's App Store rating is 4.8, matching Wealthfront's.
Potential Drawbacks
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
- GO2bank is not BBB Accredited and has no rating.
Wealthfront
Strengths
- Wealthfront has a higher Google Play rating of 4.9 compared to GO2bank's 4.5.
- Wealthfront has no maintenance fees for its Cash Account.
Potential Drawbacks
- Wealthfront's APY drops to 3.50% after the initial 3-month period.
- Wealthfront has an F rating from the BBB and is not accredited.
→ As of November 12, 2025 GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $190 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for GO2bank vs Wealthfront
GO2bank - High Yield Savings
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, GO2bank's total earnings would be $1,300.9 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare GO2bank's vs Wealthfront's Savings Accounts
| GO2bank | Wealthfront | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Cash Account |
| APY | 0.00% - 4.50% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Quarterly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $5 per month, unless you set up direct deposit | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. | 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. | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.9/5 | |
| BBB Rating | Not Rated | F |
No historical data available.