Pibank vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
Pibank
Pibank Savings
4.60%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
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.
Pibank vs. Upgrade Savings Calculator
Pibank earns $996.2 more than Upgrade.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Pibank vs. Upgrade
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.05%) on all balances
Why Upgrade?
- ✓Higher rated iOS app (4.9 vs 2.4)
- ✓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. 2.4) 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.
Executive Summary
Pibank offers a competitive savings option with its Pibank Savings account, boasting an APY of 4.60%. This account requires no minimum deposit, has no maintenance fees, and is online-only, making it an attractive choice for savers. In contrast, Upgrade's Premier Savings account provides a lower APY of 3.05% and requires a minimum balance of $1,000, also with no maintenance fees and online-only access. While Upgrade excels in mobile app experience, Pibank's higher APY positions it as the more lucrative option for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | Pibank | Upgrade |
|---|---|---|
| APY | 4.60% Verified: 12/10/2025 Stable (90d) | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | Pibank Savings | Premier Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $1,000 |
| 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 | iOS2.4 Android1.7 | iOS4.9 Android4.5 |
| BBB Rating | A | A+ |
| Next Steps |
📈 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 | -11.3 |
Days Since Change | 299 | 40 |
10-Month High | 4.60% | 4.14% |
10-Month Low | 4.60% | 3.05% |
Adjustments / Mo | 0.00 | 0.30 |
Volatility Score | 0.000 | 0.107 |
How to read these metrics(Click to expand)
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