Pibank vs. Upgrade
Comparing Pibank and Upgrade for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while Upgrade's Premier Savings pays 3.05% 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 $155 more than Upgrade annually ($460 vs $305).
Choose Pibank if getting the best rate matters most, or choose Upgrade if mobile app quality matters.
| Metric | PibankPibank Savings Mar 24, 2026 | UpgradePremier Savings Mar 24, 2026 |
|---|---|---|
| APY | 4.60% | 3.05% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$153 $10,000+$305 $25,000+$763 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
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 attractive APY of 4.60%, making it the clear winner compared to Upgrade's Premier Savings account, which provides a lower APY of 3.05%. Pibank's account has no minimum deposit requirement or maintenance fees, and it does not require direct deposit, making it a straightforward option for savers. In contrast, Upgrade's account requires a minimum balance of $1,000. Both accounts are online-only and provide daily compounding, ensuring that customers can maximize their savings efficiently.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.05%) on all balances
Why Upgrade?
- ✓Higher rated iOS app (4.9 vs 2.2)
- ✓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 $305/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $763/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
UpgradeUpgrade offers an iOS app rated 4.9 (vs. 2.2) and Android app rated 4.5 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $155 more interest on a $10,000 balance than Upgrade's Premier Savings.
*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
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Pibank vs. Upgrade Savings Calculator
You earn $155 more with Pibank than Upgrade 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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$305.00(3.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,305.00
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 $304 per year in interest.
Both Pibank and Upgrade dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Pibank | Upgrade |
|---|---|---|
| APY | 4.60% Verified: 3/24/2026 Stable (90d) | 3.05% Verified: 3/24/2026 Stable (90d) |
| Product Name | Pibank Savings | Premier Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $1,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| 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 Pibank Non-sponsored link to official site | Visit SiteVerify at Upgrade Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Upgrade |
|---|---|---|
| Pibank Savings | Premier Savings | |
Current APY | 4.60% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -11.8 |
Days Since Change | 365 | 143 |
12-Month High | 4.60% | 4.14% |
12-Month Low | 4.60% | 3.05% |
Adjustments / Mo | 0.00 | 0.25 |
Volatility Score | 0.000 | 0.131 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Pibank's APY of 4.60% with other banks
Compare Upgrade's APY of 3.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Upgrade vs Ally Bank | 3.20% | $0 |
| Upgrade vs American Express | 3.20% | $0 |
| Upgrade vs Axos Bank | 4.21% | $0 |
| Upgrade vs Barclays | 3.85% | $0 |
| Upgrade vs Capital One | 3.20% | $0 |
| Upgrade vs Chime | 3.00% | $0 |
| Upgrade vs CIT Bank | 3.75% | $100 |
| Upgrade vs Discover Bank | 3.30% | $0 |
| Upgrade vs EverBank | 3.90% | $0 |
| Upgrade vs Marcus by Goldman Sachs | 3.65% | $0 |
| Upgrade vs Newtek Bank | 4.20% | $0.01 |
| Upgrade vs Openbank | 4.09% | $500 |
| Upgrade vs SoFi Bank | 4.00% | $0 |
| Upgrade vs Synchrony Bank | 3.50% | $0 |
| Upgrade vs Varo Bank | 5.00% | $0 |
| Upgrade vs Wealthfront | 4.20% | $0 |