Pibank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 21, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.60% | 3.65% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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.
Comparison Analysis
Comparing Pibank vs. Synchrony Bank
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Pibank pays $95 more than Synchrony Bank on a $10,000 balance after one year. Pibank pays $460, while Synchrony Bank pays $365 - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.65%) on all balances
Why Synchrony Bank?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.5 vs 1.7)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $365/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $912/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.5 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $95 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a competitive Pibank Savings account with a high APY of 4.60%, making it the winner in this comparison. This account features no minimum deposit or balance requirements, no maintenance fees, and does not require direct deposit, making it a straightforward option for savers. In contrast, Synchrony Bank's High Yield Savings account provides a lower APY of 3.65%, also with no fees or minimums, but lacks the higher yield offered by Pibank. Both accounts are online-only, appealing to those who prefer digital banking.
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
Pibank vs. Synchrony Bank Savings Calculator
You earn $95 more with Pibank than Synchrony 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Pibank | Synchrony Bank |
|---|---|---|
| APY | 4.60% Verified: 1/21/2026 Stable (90d) | 3.65% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Pibank Savings | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS2.3 Android1.7 | iOS4.8 Android4.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A | Not Rated |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Synchrony Bank |
|---|---|---|
| Pibank Savings | High Yield Savings | |
Current APY | 4.60% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -3.5 |
Days Since Change | 341 | 64 |
11-Month High | 4.60% | 4.00% |
11-Month Low | 4.60% | 3.65% |
Adjustments / Mo | 0.00 | 0.18 |
Volatility Score | 0.000 | 0.034 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Pibank vs...
Comparing against Standard Savings
Compare Synchrony Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.