Barclays vs. FNBO Direct
Barclays's Tiered Savings pays 3.65% APY while FNBO Direct's High-Yield Online Savings Account 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 FNBO Direct annually ($350 vs $300).
Choose Barclays if getting the best rate matters most. Choose FNBO Direct if you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Sep 11, 2026 | FNBO DirectHigh-Yield Online Savings Account Sep 11, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 3.00% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$150 $10,000+$300 $25,000+$750 |
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® SupportedStable Rate |
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. FNBO Direct
Executive Summary
Barclays offers a competitive Tiered Savings account with a top APY of 3.65% for balances over $250,000, while its Online Savings account provides a straightforward APY of 3.20% with no direct deposit requirement. In comparison, FNBO Direct's High-Yield Online Savings Account yields a lower APY of 3.00%, though it also has no direct deposit requirement. For those looking for higher returns on larger deposits, Barclays's Tiered Savings account is the better option, whereas FNBO Direct's offerings may appeal to those seeking simplicity without the need for high balances.
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 3.00%) on all balances
- Offers 2 different high-yield savings options
Why FNBO Direct?
- Fast transfers via Zelle®
Key Feature Differences
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $350 vs $300/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $875 vs $750/yr).
Better for Simplicity
BarclaysBarclays's Online Savings offers 3.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $50 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*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. FNBO Direct Savings Calculator
You earn $50 more with Barclays than FNBO Direct 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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
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 $295 a year in interest.
Both Barclays and FNBO Direct advertise far more than that typical branch-bank rate.
| Feature | Barclays | FNBO Direct |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Observed: 9/11/2026 0.35%90-day change | 3.00% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Tiered Savings | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 1 (DE) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Online division fully supports Zelle. |
| 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 FNBO Direct Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | FNBO Direct | |
|---|---|---|---|
| Tiered Savings | Online Savings | High-Yield Online Savings Account | |
Current APY | 3.65% | 3.20% | 3.00% |
Trend | Stable | Stable | Stable |
Speed of change | -0.04 | -0.04 | -0.03 |
Days Since Change | 79 | 8 | 343 |
12-Month High | 4.10% | 3.70% | 3.25% |
12-Month Low | 3.65% | 3.20% | 3.00% |
Changes per month | 0.33 | 0.41 | 0.08 |
Steadiness | 0.019 | 0.023 | 0.026 |
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 FNBO Direct's APY of 3.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FNBO Direct vs Ally Bank | 3.00% | $0 |
| FNBO Direct vs American Express | 3.00% | $0 |
| FNBO Direct vs Axos Bank | 4.21% | $0 |
| FNBO Direct vs Capital One | 3.50% | $0 |
| FNBO Direct vs Chime | 3.75% | $0 |
| FNBO Direct vs CIT Bank | 3.75% | $100 |
| FNBO Direct vs EverBank | 3.90% | $0 |
| FNBO Direct vs Marcus by Goldman Sachs | 3.40% | $0 |
| FNBO Direct vs Newtek Bank | 4.20% | $100 |
| FNBO Direct vs Openbank | 3.80% | $500 |
| FNBO Direct vs Pibank | 4.10% | $0 |
| FNBO Direct vs SoFi Bank | 4.00% | $0 |
| FNBO Direct vs Synchrony Bank | 3.30% | $0 |
| FNBO Direct vs Varo Bank | 3.75% | $0 |
| FNBO Direct vs Wealthfront | 3.95% | $0 |