Happen Bank vs. Pibank
Pibank edges out Happen Bank slightly at 4.10% vs 4.00% APY. On a $10,000 balance, the difference is just $10 per year, so other factors may matter more.
The Bottom Line
The Happen Bank and Pibank savings accounts are very similar. Choose Happen Bank if mobile app quality matters.
| Metric | Happen BankLevelUp Savings Sep 11, 2026 | PibankPibank Savings Sep 11, 2026 |
|---|---|---|
| APY | 4.00% | 4.10% |
Earns in a year | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The advertised "LevelUp Rate" APY is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" applies. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | 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.
Comparison Analysis
Comparing Happen Bank vs. Pibank
Executive Summary
Happen Bank offers a LevelUp Savings account with a competitive APY of 4.00%, available to anyone who deposits $250 or more monthly. This account is online-only and has no maintenance fees. In comparison, Pibank provides a Pibank Savings account with a slightly higher APY of 4.10%, also online-only and with no maintenance fees. Both accounts do not require direct deposit, making them accessible options for savers. While Happen Bank boasts a better mobile app experience, Pibank's higher APY makes it the more attractive choice for those seeking higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Happen Bank?
- Higher rated iOS app (4.8 vs 2.1)
- Higher rated Android app (4.6 vs 1.8)
Why Pibank?
No distinct advantages found vs Happen Bank.
Key Feature Differences
Better Mobile App Experience
Happen BankHappen Bank offers an iOS app rated 4.8 (vs. 2.1) and Android app rated 4.6 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $10 more interest on a $10,000 balance than Happen Bank's LevelUp Savings.
*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
Happen Bank vs. Pibank Savings Calculator
You earn $10 more with Pibank than Happen 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.
Happen Bank
LevelUp Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
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 $395 a year in interest.
Both Happen Bank and Pibank advertise far more than that typical branch-bank rate.
| Feature | Happen Bank | Pibank |
|---|---|---|
| APY | 4.00% Observed: 9/11/2026 Stable over 90 days | 4.10% Observed: 9/11/2026 0.30%90-day change |
| Product Name | LevelUp Savings | 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 | 3 (CA, MA, UT) | 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 | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The advertised "LevelUp Rate" APY is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" applies. | - |
| Next Steps | Visit SiteVerify at Happen 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 | Happen Bank | Pibank |
|---|---|---|
| LevelUp Savings | Pibank Savings | |
Current APY | 4.00% | 4.10% |
Trend | Stable | Stable |
Speed of change | -0.04 | -0.03 |
Days Since Change | 273 | 70 |
12-Month High | 4.20% | 4.60% |
12-Month Low | 4.00% | 4.10% |
Changes per month | 0.08 | 0.16 |
Steadiness | 0.023 | 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 Happen Bank's APY of 4.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Happen Bank vs Ally Bank | 3.00% | $0 |
| Happen Bank vs American Express | 3.00% | $0 |
| Happen Bank vs Axos Bank | 4.21% | $0 |
| Happen Bank vs Barclays | 3.65% | $0 |
| Happen Bank vs Capital One | 3.50% | $0 |
| Happen Bank vs Chime | 3.75% | $0 |
| Happen Bank vs CIT Bank | 3.75% | $100 |
| Happen Bank vs EverBank | 3.90% | $0 |
| Happen Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Happen Bank vs Newtek Bank | 4.20% | $100 |
| Happen Bank vs Openbank | 3.80% | $500 |
| Happen Bank vs SoFi Bank | 4.00% | $0 |
| Happen Bank vs Synchrony Bank | 3.30% | $0 |
| Happen Bank vs Varo Bank | 3.75% | $0 |
| Happen Bank vs Wealthfront | 3.95% | $0 |