Barclays vs. Betterment
Betterment edges out Barclays slightly at 4.00% vs 3.65% APY. On a $10,000 balance, the difference is just $6 per year, so other factors may matter more.
| Metric | BarclaysTiered Savings Aug 21, 2026 | BettermentCash Reserve Aug 21, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 3.25% - 4.00% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$172 $10,000+$344 $25,000+$859 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The top APY is only available for balances over $250,000. For lower balances, a lower APY applies. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Barclays vs. Betterment
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- ✓Offers 2 different high-yield savings options
Why Betterment?
- ✓Higher potential APY (4.00% vs 3.30%-3.65%) for a duration of 3 months
Key Feature Differences
Best for Simplicity
BettermentBetterment's Cash Reserve offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $6 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This comparison accounts for Betterment's introductory promotional rate, yet Barclays's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
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Barclays vs. Betterment Savings Calculator
You earn $4.9 more with Barclays than Betterment 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.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$345.10(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,345.10
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 $343 per year in interest.
Both Barclays and Betterment dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Betterment |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Verified: 8/21/2026 - | 4.00% Range: 3.25% - 4.00% Verified: 8/21/2026 - |
| Product Name | Tiered Savings | Cash Reserve |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | N/A |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A- |
| Important Notes | The top APY is only available for balances over $250,000. For lower balances, a lower APY applies. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Betterment Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Betterment | |
|---|---|---|---|
| Tiered Savings | Online Savings | Cash Reserve | |
Current APY | 3.65% | 3.30% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.8 | -3.4 | 1.8 |
Days Since Change | 58 | 58 | 115 |
7-Month High | 4.00% | 3.50% | 4.00% |
7-Month Low | 3.65% | 3.30% | 3.90% |
Adjustments / Mo | 0.43 | 0.29 | 0.14 |
Volatility Score | 0.035 | 0.025 | 0.013 |
How to read these metrics(Click to expand)
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Compare Barclays' APY of 3.65% with other banks
Compare Betterment's APY of 4.00% with other banks
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|---|---|---|
| Betterment vs Ally Bank | 3.00% | $0 |
| Betterment vs American Express | 3.00% | $0 |
| Betterment vs Axos Bank | 4.21% | $0 |
| Betterment vs Capital One | 3.50% | $0 |
| Betterment vs Chime | 3.75% | $0 |
| Betterment vs CIT Bank | 3.75% | $100 |
| Betterment vs EverBank | 3.90% | $0 |
| Betterment vs Marcus by Goldman Sachs | 3.40% | $0 |
| Betterment vs Newtek Bank | 4.20% | $100 |
| Betterment vs Openbank | 3.80% | $500 |
| Betterment vs Pibank | 4.10% | $0 |
| Betterment vs SoFi Bank | 3.80% | $0 |
| Betterment vs Synchrony Bank | 3.30% | $0 |
| Betterment vs Varo Bank | 3.75% | $0 |
| Betterment vs Wealthfront | 3.95% | $0 |