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 Aug 21, 2026 | Capital OneBusiness Savings Account Aug 20, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 3.50% |
Est. Earnings | $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
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?
- ✓Higher potential APY (3.30%-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
Best 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 banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both Barclays and Capital One dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Capital One |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Verified: 8/21/2026 - | 3.50% Verified: 8/20/2026 - |
| 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 | None | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. |
| 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% | 3.30% | 3.00% | 3.50% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.8 | -3.4 | -3.5 | 0.0 |
Days Since Change | 58 | 58 | 80 | 149 |
7-Month High | 4.00% | 3.50% | 3.20% | 3.50% |
7-Month Low | 3.65% | 3.30% | 3.00% | 3.50% |
Adjustments / Mo | 0.45 | 0.30 | 0.30 | 0.00 |
Volatility Score | 0.035 | 0.025 | 0.026 | 0.000 |
How to read these metrics(Click to expand)
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