Barclays vs. Capital One
Barclays's Tiered Savings pays 3.65% APY while Capital One's 360 Performance Savings pays 3.00% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Barclays pays $50 more than Capital One annually ($350 vs $300).
Choose Barclays if getting the best rate matters most. Choose Capital One if you value in-person banking, or you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Sep 11, 2026 | Capital OneBusiness Savings Account Sep 11, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 3.50% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$175 $10,000+$350 $25,000+$875 |
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 AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Barclays vs. Capital One
Executive Summary
Barclays offers an Online Savings account with a competitive APY of 3.20%, alongside a Tiered Savings account that provides a higher APY of 3.65% for balances over $250,000. However, the Tiered Savings account's top rate is only accessible for larger deposits. In contrast, Capital One features a Business Savings Account with a higher APY of 3.50%, available without any direct deposit requirement or minimum balance for simplicity. While Barclays has a slightly lower top yield, both banks provide appealing options for savers, with Capital One's Business Savings Account being particularly straightforward.
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?
- Higher potential APY (3.20%-3.65% vs 2.50%-3.50%)
Why Capital One?
- Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- Fast transfers via Zelle® (up to $2,500 a day)
Key Feature Differences
Better for Simplicity
Capital OneCapital One's Business Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Capital One Savings Calculator
Both accounts earn exactly the same amount.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Capital One
Business Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 Capital One advertise far more than that typical branch-bank rate.
| Feature | Barclays | Capital One |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Observed: 9/11/2026 0.35%90-day change | 3.50% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Tiered Savings | Business Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | N/A |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | 1 (DE) | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| 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 Capital One Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Capital One | ||
|---|---|---|---|---|
| Tiered Savings | Online Savings | 360 Performance Savings | Business Savings Account | |
Current APY | 3.65% | 3.20% | 3.00% | 3.50% |
Trend | Stable | Stable | Stable | Stable |
Speed of change | -0.04 | -0.04 | -0.03 | 0.00 |
Days Since Change | 79 | 8 | 101 | 171 |
7-Month High | 4.00% | 3.50% | 3.20% | 3.50% |
7-Month Low | 3.65% | 3.20% | 3.00% | 3.50% |
Changes per month | 0.40 | 0.40 | 0.27 | 0.00 |
Steadiness | 0.035 | 0.035 | 0.026 | 0.000 |
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 223-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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