Santander Bank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Santander Bank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Santander Bank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 0.01% Santander Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $25 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
Santander Bank
Strengths
- Santander Bank has a low minimum deposit of $25 for its savings account.
- Santander Bank's App Store rating is higher at 4.8 compared to Zynlo Bank's 4.0.
Potential Drawbacks
- Santander Bank offers a low APY of 0.01%, unchanged from 30 days ago.
- Santander Bank is not rated by the BBB and is not accredited.
Zynlo Bank
Strengths
- Zynlo Bank offers a competitive APY of 4.20%, though it decreased from 4.35% in the last 30 days.
- Zynlo Bank has an A+ BBB rating, indicating higher trustworthiness.
Potential Drawbacks
- Zynlo Bank has a higher minimum deposit requirement of $10 for its savings account.
- Zynlo Bank's Google Play rating is lower at 3.5 compared to Santander Bank's 4.1.
→ As of October 21, 2025 Santander Bank offers an APY of 0.01% for its Santander Savings account, with a minimum balance of $0, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Zynlo Bank yields $419 more than Santander Bank on a $10,000 balance after one year. Santander Bank pays $1, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
Calculate Savings Growth for Santander Bank vs Zynlo Bank
Santander Bank - Santander Savings
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewZynlo Bank - Tomorrow Savings Account
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Santander Bank's total earnings would be $2,558.6 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Santander Bank's vs Zynlo Bank's Savings Accounts
| Santander Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Santander Savings | vs | Tomorrow Savings Account |
| APY | 0.01% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $25 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $1 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.1/5 | 3.5/5 | |
| BBB Rating | Not Rated | A+ |
Comparative Historical APY Insights (Last 7 Months)
| Santander Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Santander Savings | vs | Tomorrow Savings Account |
| Latest APY | 0.01 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.2 | -0.7 | |
| Rate Changes / Mo | 0.14 | 0.14 | |
| Days Since Last Change | 32 | 12 | |
| High (-7 m) | 0.03 % | 4.35 % | |
| Low (-7 m) | 0.01 % | 4.20 % | |
| Draw-down from High | -66.7 % | -3.4 % | |
| Volatility (CV) | 0.260 | 0.008 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 219 days.
- Low (-7 m)
- Lowest APY in the last 219 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.