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Savings Account Comparison

Barclays vs. Chase Bank

Barclays's Tiered Savings pays 3.65% APY while Chase Bank's Chase Savings℠ pays 0.01% APY.

See how they compare on rate stability, mobile app ratings, and more below.

Analysis by Aviel Fahl
Updated August 21, 2026

The Bottom Line

Who pays more interest on $10,000? Barclays pays $349 more than Chase Bank annually ($350 vs $1).

Choose Barclays if getting the best rate matters most. Choose Chase Bank if you want Zelle for quick transfers.

Comparison of Barclays vs Chase Bank savings accounts
Metric

Barclays

Tiered Savings

Aug 21, 2026

Chase Bank

Chase Premier Savings

Aug 21, 2026
APY3.50% - 3.65%0.01%
Est. Earnings
$5,000+$175
$10,000+$350
$25,000+$875
$5,000+$1
$10,000+$1
$25,000+$3
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.

See Top Rates

Comparison Analysis

Comparing Barclays vs. Chase Bank

Updated: Invalid Date

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 0.01%) on all balances
  • ✓No checking account or direct deposit required

Why Chase Bank?

  • ✓Fast transfers via Zelle® (up to $2,000 a day)

Key Feature Differences

Better Returns at $10,000
Barclays

Barclays's Tiered Savings earns more on smaller deposits (approx. $350 vs $1/yr).

Better Returns at $25,000
Barclays

Barclays's Tiered Savings pulls ahead with larger amounts (approx. $875 vs $3/yr).

Best for Simplicity
Barclays

Barclays's Online Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Barclays's Tiered Savings pays $349 more interest on a $10,000 balance than Chase Bank's Chase Premier Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Chase BankBarclays
Verify At
Barclays

Non-sponsored link to official site

Verify At
Chase Bank

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Top Market Contenders

SoFi Bank
3.80% APY
vs. Barclaysvs. Chase Bank
Synchrony Bank
3.30% APY
vs. Barclaysvs. Chase Bank
Axos Bank
4.21% APY
vs. Barclaysvs. Chase Bank
Popular Peer Comparisons
Ally Bank vs SoFi BankSoFi Bank vs Synchrony BankMarcus by Goldman Sachs vs Synchrony BankAlly Bank vs Axos BankBank of America vs SoFi BankSoFi Bank vs Varo Bank

Barclays vs. Chase Bank Savings Calculator

Calculations based on current APY for Tiered Savings and Chase Premier Savings
$
$

You earn $349 more with Barclays than Chase Bank 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

3.65% APY
ℹ️Tiered rates: 3.50% ($0.01 - $9,999.99) | 3.50% ($10,000 - $24,999.99) | 3.50% ($25,000 - $49,999.99) | 3.50% ($50,000 - $99,999.99) | 3.50% ($100,000 - $249,999.99) | 3.65% ($250,000 - $1,000,000)

Savings Breakdown

  • Interest Earned
    +$350.00(3.4%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,350.00

Effective APY
3.50%

Chase Bank

Chase Premier Savings

0.01% APY
ℹ️Tiered rates: 0.01% ($0 - $9,999.99) | 0.01% ($10,000 - $24,999.99) | 0.01% ($25,000 - $49,999.99) | 0.01% ($50,000 - $99,999.99) | 0.01% ($100,000 - $249,999.99) | 0.01% ($250,000 - $499,999.99) | 0.01% ($500,000 - $999,999.99) | 0.01% ($1,000,000 - $4,999,999.99) | 0.01% ($5,000,000 - $9,999,999.99) | 0.01% ($10,000,000+)

Savings Breakdown

  • Interest Earned
    +$1.00(0.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,001.00

Effective APY
0.01%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

FeatureBarclaysChase Bank
APY
3.65%
Range: 3.50% - 3.65%
Verified: 8/21/2026
-
0.01%
Verified: 8/21/2026
-
Product NameTiered SavingsChase Premier Savings
Minimum Deposit$0$0
Min. Balance for APY$0.01$0
Monthly Fee$0N/A
Compound FrequencyDailyMonthly
In-Branch AccessNoYes
Account Type
Online Only
Online & Branches
Physical BranchesNoneN/A
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.7
iOS4.8
Android4.7
FDIC or NCUA Insured
YesVerify FDIC
YesVerify FDIC
Zelle® Support
Not Supported
Available
Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k.
BBB RatingA+A-
Important NotesThe top APY is only available for balances over $250,000. For lower balances, a lower APY applies.-
Next Steps
Visit Site

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📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricBarclaysChase Bank
Tiered SavingsOnline SavingsChase Savings℠
Current APY
3.65%3.30%0.01%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-3.8-3.5-0.0
Days Since Change
5858361
12-Month High
4.10%3.70%0.01%
12-Month Low
3.65%3.30%0.01%
Adjustments / Mo
0.330.330.00
Volatility Score
0.0190.0190.000
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 363-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Savings Accounts

Compare Barclays vs...

Comparing against Standard Savings

vs Barclays
ElevaultNo Bundle Req
4.34%
APY
vs Barclays
Forbright BankNo Bundle Req
4.15%
APY
vs Barclays
Neighbors BankNo Bundle Req
4.10%
APY

Compare Chase Bank vs...

Comparing against Standard Savings

vs Chase Bank
Newtek BankNo Bundle Req
4.20%
APY
vs Chase Bank
PibankNo Bundle Req
4.10%
APY
vs Chase Bank
WealthfrontNo Bundle Req
3.95%
APY

High Rates (With Checking Bundle)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.21%
APY
Checking Bundle
SoFi Bank View Details
3.80%
APY
Checking Bundle
Chime View Details
3.75%
APY

More Comparisons

Compare Barclays' APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Barclays vs Affirm3.20%$0
Barclays vs Ally Bank3.00%$0
Barclays vs American Express3.00%$0
Barclays vs Axos Bank4.21%$0
Barclays vs Bank of America0.04%$100
Barclays vs Bask Bank3.75%$0
Barclays vs Betterment4.00%$0
Barclays vs BMO Alto3.00%$0
Barclays vs Bread Savings3.95%$100
Barclays vs BrioDirect3.75%$5,000
Barclays vs Capital One3.50%$0
Barclays vs Charles Schwab Bank0.15%$0
Barclays vs Chime3.75%$0
Barclays vs CIT Bank3.75%$100
Barclays vs Citibank2.80%$0
Barclays vs Citizens Access™2.80%$0.01
Barclays vs Climate First Bank4.01%$50
Barclays vs E*TRADE from Morgan Stanley3.50%$0
Barclays vs Elevault4.34%$0
Barclays vs EverBank3.90%$0
Barclays vs Fitness Bank4.05%$100
Barclays vs FNBO Direct3.00%$0
Barclays vs Forbright Bank4.15%$0
Barclays vs GO2bank4.50%$0
Barclays vs Happen Bank4.00%$0
Barclays vs Ivy Bank3.85%$2,500
Barclays vs Marcus by Goldman Sachs3.40%$0
Barclays vs Neighbors Bank4.10%$0
Barclays vs Newtek Bank4.20%$100
Barclays vs Openbank3.80%$500
Barclays vs Peak Bank4.01%$100
Barclays vs Pibank4.10%$0
Barclays vs PNC3.15%$0
Barclays vs SoFi Bank3.80%$0
Barclays vs Synchrony Bank3.30%$0
Barclays vs TD Bank2.50%$0
Barclays vs UFB Direct3.46%$5,000
Barclays vs Upgrade3.05%$0
Barclays vs Varo Bank3.75%$0
Barclays vs Wealthfront3.95%$0
Barclays vs Wells Fargo0.05%$25
Compare Chase Bank's APY of 0.01% with other banks
Bank PairCompetitor APYMin Deposit
Chase Bank vs Ally Bank3.00%$0
Chase Bank vs American Express3.00%$0
Chase Bank vs Axos Bank4.21%$0
Chase Bank vs Capital One3.50%$0
Chase Bank vs Chime3.75%$0
Chase Bank vs CIT Bank3.75%$100
Chase Bank vs EverBank3.90%$0
Chase Bank vs Marcus by Goldman Sachs3.40%$0
Chase Bank vs Newtek Bank4.20%$100
Chase Bank vs Openbank3.80%$500
Chase Bank vs Pibank4.10%$0
Chase Bank vs SoFi Bank3.80%$0
Chase Bank vs Synchrony Bank3.30%$0
Chase Bank vs Varo Bank3.75%$0
Chase Bank vs Wealthfront3.95%$0