Ivy Bank vs. Pibank
Comparing Ivy Bank and Pibank for high-yield savings: Ivy Bank's High-Yield Savings Account pays 3.85% APY while Pibank's Pibank Savings pays 4.60% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $75 more than Ivy Bank annually ($460 vs $385).
Choose Ivy Bank if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | Ivy BankHigh-Yield Savings Account Apr 7, 2026 | PibankPibank Savings Apr 7, 2026 |
|---|---|---|
| APY | 0.05% - 3.85% | 4.60% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $2,500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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.
Executive Summary
Pibank offers a competitive Pibank Savings account with an APY of 4.60%, making it the superior choice compared to Ivy Bank's High-Yield Savings Account, which has an APY of 3.85%. Pibank's account requires no minimum deposit and has no maintenance fees, while Ivy Bank requires a minimum deposit of $2,500. Both accounts are online-only and do not require direct deposit. However, Ivy Bank's eligibility is restricted to residents of California and U.S. Territories, excluding the District of Columbia. For those seeking higher returns and simplicity, Pibank stands out as the better option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Ivy Bank?
- ✓Higher rated iOS app (4.6 vs 2.2)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.85%) on all balances
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $385/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $963/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $75 more interest on a $10,000 balance than Ivy Bank's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ivy Bank vs. Pibank Savings Calculator
You earn $75 more with Pibank than Ivy Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $384 per year in interest.
Both Ivy Bank and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Ivy Bank | Pibank |
|---|---|---|
| APY | 3.85% Range: 0.05% - 3.85% Verified: 4/7/2026 ↘︎ 0.25%90d Change | 4.60% Verified: 4/7/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Pibank Savings |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Ivy Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | Pibank |
|---|---|---|
| High-Yield Savings Account | Pibank Savings | |
Current APY | 3.85% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -10.4 | 0.0 |
Days Since Change | 48 | 145 |
5-Month High | 4.25% | 4.60% |
5-Month Low | 3.85% | 4.60% |
Adjustments / Mo | 0.62 | 0.00 |
Volatility Score | 0.038 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Ivy Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Ivy Bank vs Ally Bank | 3.20% | $0 |
| Ivy Bank vs American Express | 3.20% | $0 |
| Ivy Bank vs Axos Bank | 4.21% | $0 |
| Ivy Bank vs Barclays | 3.85% | $0 |
| Ivy Bank vs Capital One | 3.20% | $0 |
| Ivy Bank vs Chime | 3.00% | $0 |
| Ivy Bank vs CIT Bank | 3.75% | $100 |
| Ivy Bank vs Discover Bank | 3.30% | $0 |
| Ivy Bank vs EverBank | 3.90% | $0 |
| Ivy Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Ivy Bank vs Newtek Bank | 4.20% | $0.01 |
| Ivy Bank vs Openbank | 4.00% | $500 |
| Ivy Bank vs SoFi Bank | 4.00% | $0 |
| Ivy Bank vs Synchrony Bank | 3.50% | $0 |
| Ivy Bank vs Varo Bank | 5.00% | $0 |
| Ivy Bank vs Wealthfront | 4.20% | $0 |