Pibank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Pibank vs. Wealthfront
Key Metrics at a Glance
| Feature | Pibank | Wealthfront |
|---|---|---|
| Top Savings APY | 4.60% Pibank Savings | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Pibank
Strengths
- Pibank offers a higher APY of 4.60% compared to Wealthfront's 4.15%.
- Pibank has no minimum balance requirement for its savings account.
- Pibank charges no maintenance fees for its savings account.
Potential Drawbacks
- Pibank has a low App Store rating of 2.4.
- Pibank has a low Google Play rating of 1.8.
- Pibank is not BBB accredited despite an A rating.
Wealthfront
Strengths
- Wealthfront has a high App Store rating of 4.8.
- Wealthfront has an impressive Google Play rating of 4.9.
- Wealthfront offers a promotional APY of 4.15% for the first three months.
Potential Drawbacks
- Wealthfront's APY drops to 3.50% after three months.
- Wealthfront has an F BBB rating and is not accredited.
- Wealthfront does not have any branches.
→ As of November 12, 2025 Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Pibank yields $45 more than Wealthfront on a $10,000 balance after one year. Pibank pays $460, while Wealthfront pays $415 - an APY advantage for Pibank.
Calculate Savings Growth for Pibank vs Wealthfront
Pibank - Pibank Savings
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Pibank's total earnings would be $294 higher than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Pibank's vs Wealthfront's Savings Accounts
| Pibank | Wealthfront | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Cash Account |
| APY | 4.60% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 2.4/5 | 4.8/5 | |
| Google Play Rating | 1.8/5 | 4.9/5 | |
| BBB Rating | A | F |
No historical data available.