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 Aug 20, 2026 | PibankPibank Savings Aug 21, 2026 |
|---|---|---|
| APY | 4.00% | 4.10% |
Est. Earnings | $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
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 Happen Bank?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.8 vs 1.7)
Why Pibank?
No distinct advantages found vs Happen Bank.
Key Feature Differences
Best Mobile App Experience
Happen BankHappen Bank offers an iOS app rated 4.8 (vs. 2.4) and Android app rated 4.8 (vs. 1.7)
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 banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $399 per year in interest.
Both Happen Bank and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Happen Bank | Pibank |
|---|---|---|
| APY | 4.00% Verified: 8/20/2026 - | 4.10% Verified: 8/21/2026 - |
| 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 | 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 | 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 |
Velocity (bps/mo) | -3.7 | -2.2 |
Days Since Change | 252 | 49 |
12-Month High | 4.20% | 4.60% |
12-Month Low | 4.00% | 4.10% |
Adjustments / Mo | 0.08 | 0.17 |
Volatility Score | 0.023 | 0.014 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Happen Bank vs...
Comparing against Standard Savings
Compare Pibank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
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 | 3.80% | $0 |
| Happen Bank vs Synchrony Bank | 3.30% | $0 |
| Happen Bank vs Varo Bank | 3.75% | $0 |
| Happen Bank vs Wealthfront | 3.95% | $0 |