Jenius Bank vs. Santander Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Santander BankSantander Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 0.01% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $0 | $25 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Jenius Bank vs. Santander Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Santander Bank's 0.01% APY for its Santander Savings account, with a minimum balance of $0.
Jenius Bank pays $404 more than Santander Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Santander Bank pays $1 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
Why Santander Bank?
- ✓Physical branch access (Primarily in the Northeast and Miami, Florida)
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.0 vs 3.6)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $1/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $3/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Santander BankSantander Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.0 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $404 more interest on a $10,000 balance than Santander Bank's Santander Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, providing better returns compared to Santander Bank's savings option, which only yields 0.01% APY. Jenius Savings has no minimum deposit or maintenance fees and does not require direct deposit, making it a straightforward choice for savers. In contrast, Santander's savings account requires a minimum deposit of $25 and incurs a $1 maintenance fee, though it is not online-only. Overall, Jenius Bank's higher APY and simpler terms position it as the more attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Jenius Bank vs. Santander Bank Savings Calculator
You earn $404 more with Jenius Bank than Santander 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
Santander Bank
Santander Savings
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Santander Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 0.01% Verified: 1/7/2026 Stable (90d) |
| Product Name | Jenius Savings | Santander Savings |
| Minimum Deposit | $0 | $25 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $1 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.0 Android3.6 | iOS4.8 Android4.0 |
| Zelle® Support | Not Supported | Available Branch-based retail accounts only. |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Santander Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Santander Bank |
|---|---|---|
| Jenius Savings | Santander Savings | |
Current APY | 4.05% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -0.2 |
Days Since Change | 50 | 110 |
11-Month High | 4.50% | 0.03% |
11-Month Low | 4.05% | 0.01% |
Adjustments / Mo | 0.17 | 0.09 |
Volatility Score | 0.029 | 0.431 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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