Barclays vs. Bread Savings
Barclays's Tiered Savings pays 3.65% APY while Bread Savings's High-Yield Savings Account pays 3.95% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bread Savings pays $45 more than Barclays annually ($395 vs $350).
Choose Bread Savings if getting the best rate matters most.
| Metric | BarclaysTiered Savings Sep 4, 2026 | Bread SavingsHigh-Yield Savings Account Sep 4, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 3.95% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$198 $10,000+$395 $25,000+$988 |
Min. Deposit | $0 | $100 |
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 InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
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. Bread Savings
Executive Summary
Bread Savings offers a High-Yield Savings Account with an attractive APY of 3.95%, making it the top choice for savers seeking higher returns. This account requires a minimum deposit of $10,000 but has no maintenance fees and does not mandate direct deposit. In comparison, Barclays provides a Tiered Savings account that offers a maximum APY of 3.65% for balances over $250,000, with lower rates for smaller balances. While Barclays also has an Online Savings account with a 3.20% APY, Bread Savings stands out for its simplicity and higher yield across all balance tiers.
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 Bread Savings?
- Higher potential APY (3.95% vs 3.20%-3.65%) on all balances
Key Feature Differences
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $395 vs $350/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $988 vs $875/yr).
Better for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Barclays's Tiered 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
Top Market Contenders
Barclays vs. Bread Savings Savings Calculator
You earn $45 more with Bread Savings than Barclays 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
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$395.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,395.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $345 a year in interest.
Both Barclays and Bread Savings advertise far more than that typical branch-bank rate.
| Feature | Barclays | Bread Savings |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Observed: 9/4/2026 0.35%90-day change | 3.95% Observed: 9/4/2026 0.05%90-day change |
| Product Name | Tiered Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 1 (DE) | 1 (UT) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| 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 Bread Savings Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Bread Savings | |
|---|---|---|---|
| Tiered Savings | Online Savings | High-Yield Savings Account | |
Current APY | 3.65% | 3.20% | 3.95% |
Trend | Stable | Stable | Stable |
Speed of change | -0.04 | -0.04 | -0.04 |
Days Since Change | 72 | 1 | 77 |
12-Month High | 4.10% | 3.70% | 4.25% |
12-Month Low | 3.65% | 3.20% | 3.95% |
Changes per month | 0.33 | 0.41 | 0.49 |
Steadiness | 0.019 | 0.023 | 0.020 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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High Rates (With Checking Bundle)
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More Comparisons
Compare Barclays' APY of 3.65% with other banks
Compare Bread Savings' APY of 3.95% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bread Savings vs Ally Bank | 3.00% | $0 |
| Bread Savings vs American Express | 3.00% | $0 |
| Bread Savings vs Axos Bank | 4.21% | $0 |
| Bread Savings vs Capital One | 3.50% | $0 |
| Bread Savings vs Chime | 3.75% | $0 |
| Bread Savings vs CIT Bank | 3.75% | $100 |
| Bread Savings vs EverBank | 3.90% | $0 |
| Bread Savings vs Marcus by Goldman Sachs | 3.40% | $0 |
| Bread Savings vs Newtek Bank | 4.20% | $100 |
| Bread Savings vs Openbank | 3.80% | $500 |
| Bread Savings vs Pibank | 4.10% | $0 |
| Bread Savings vs SoFi Bank | 4.00% | $0 |
| Bread Savings vs Synchrony Bank | 3.30% | $0 |
| Bread Savings vs Varo Bank | 3.75% | $0 |
| Bread Savings vs Wealthfront | 3.95% | $0 |