Barclays vs. E*TRADE from Morgan Stanley
Barclays edges out E*TRADE from Morgan Stanley slightly at 3.65% vs 3.50% APY. On a $10,000 balance, the difference is just $0 per year, so other factors may matter more.
The Bottom Line
The Barclays and E*TRADE from Morgan Stanley savings accounts are very similar. Choose Barclays if BBB rating matters to you, or choose E*TRADE from Morgan Stanley if you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Aug 21, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Aug 21, 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 AppZelle® SupportedDaily CompoundingRate Changes Often |
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. E*TRADE from Morgan Stanley
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 3.50%)
- ✓Offers 2 different high-yield savings options
Why E*TRADE from Morgan Stanley?
- ✓Fast transfers via Zelle®
Key Feature Differences
Best for Simplicity
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium 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. E*TRADE from Morgan Stanley 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
E*TRADE from Morgan Stanley
Premium 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 E*TRADE from Morgan Stanley dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Verified: 8/21/2026 - | 3.50% Verified: 8/21/2026 - |
| Product Name | Tiered Savings | Premium Savings Account |
| Minimum Deposit | $0 | $0 |
| 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 | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Available for Premium Savings and Checking. |
| BBB Rating | A+ | D- |
| 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 E*TRADE from Morgan Stanley Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | E*TRADE from Morgan Stanley | |
|---|---|---|---|
| Tiered Savings | Online Savings | Premium Savings Account | |
Current APY | 3.65% | 3.30% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -3.5 | -7.8 |
Days Since Change | 58 | 58 | 66 |
12-Month High | 4.10% | 3.70% | 4.00% |
12-Month Low | 3.65% | 3.30% | 3.25% |
Adjustments / Mo | 0.33 | 0.33 | 0.41 |
Volatility Score | 0.019 | 0.019 | 0.045 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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