Bask Bank vs. Pibank
Bask Bank's Interest Savings Account pays 3.75% APY while Pibank's Pibank Savings pays 4.10% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $35 more than Bask Bank annually ($410 vs $375).
Choose Bask Bank if mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most, or BBB rating matters to you.
| Metric | Bask BankInterest Savings Account Sep 11, 2026 | PibankPibank Savings Sep 11, 2026 |
|---|---|---|
| APY | 3.75% | 4.10% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Executive Summary
Pibank offers a competitive APY of 4.10% on its Pibank Savings account, making it the higher-yield option compared to Bask Bank's Interest Savings Account, which provides an APY of 3.75%. Pibank's account has no minimum deposit requirement and does not necessitate a direct deposit, providing greater simplicity for users. Additionally, Pibank's savings account outperforms Bask Bank's in terms of returns, especially for larger deposits. On the other hand, Bask Bank is noted for its superior mobile app experience, featuring a highly rated iOS and Android app. Both banks operate online only and are nationally available.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bask Bank?
- Higher rated iOS app (4.7 vs 2.1)
- Higher rated Android app (4.6 vs 1.8)
- Fast transfers via Zelle®
Why Pibank?
- Higher potential APY (4.10% vs 3.75%) on all balances
Key Feature Differences
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $410 vs $375/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1025 vs $938/yr).
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Bask BankBask Bank offers an iOS app rated 4.7 (vs. 2.1) and Android app rated 4.6 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $35 more interest on a $10,000 balance than Bask Bank's Interest 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
Bask Bank vs. Pibank Savings Calculator
You earn $35 more with Pibank than Bask 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.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
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 $370 a year in interest.
Both Bask Bank and Pibank advertise far more than that typical branch-bank rate.
| Feature | Bask Bank | Pibank |
|---|---|---|
| APY | 3.75% Observed: 9/11/2026 0.25%90-day change | 4.10% Observed: 9/11/2026 0.30%90-day change |
| Product Name | Interest Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Not Supported |
| BBB Rating | B | A+ |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Pibank |
|---|---|---|
| Interest Savings Account | Pibank Savings | |
Current APY | 3.75% | 4.10% |
Trend | Stable | Stable |
Speed of change | -0.05 | -0.03 |
Days Since Change | 129 | 70 |
12-Month High | 4.15% | 4.60% |
12-Month Low | 3.75% | 4.10% |
Changes per month | 0.41 | 0.16 |
Steadiness | 0.032 | 0.014 |
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 Bask Bank's APY of 3.75% with other banks
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|---|---|---|
| Bask Bank vs Ally Bank | 3.00% | $0 |
| Bask Bank vs American Express | 3.00% | $0 |
| Bask Bank vs Axos Bank | 4.21% | $0 |
| Bask Bank vs Barclays | 3.65% | $0 |
| Bask Bank vs Capital One | 3.50% | $0 |
| Bask Bank vs Chime | 3.75% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs EverBank | 3.90% | $0 |
| Bask Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $100 |
| Bask Bank vs Openbank | 3.80% | $500 |
| Bask Bank vs SoFi Bank | 4.00% | $0 |
| Bask Bank vs Synchrony Bank | 3.30% | $0 |
| Bask Bank vs Varo Bank | 3.75% | $0 |
| Bask Bank vs Wealthfront | 3.95% | $0 |