Is Barclays Tiered Savings the right fit for you?
Last Updated: 04/14/2026
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Highlights
APY (Annual Percentage Yield)
3.65% - 3.75%(Verified 04/14/2026)
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Minimum Opening Deposit
$0
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Minimum Balance to Earn APY
$0.01
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Barclays Tiered Savings Review
Barclays Tiered Savings is offered by Barclays Bank, a bank founded in 1896 and based in , DE. Barclays Tiered Savings are available in 50 states and Washington, DC.
Key Takeaways
- High yield savings. This account offers an annual percentage yield of up to 3.75%*, which is much higher than the average interest rate for a savings account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
Barclays Tiered Savings Pros & Cons
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Barclays Tiered Savings FAQ
Are savings accounts from Barclays Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #57203). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
Does Barclays Bank offer a signup bonus?
Barclays Tiered Savings doesn't offer a signup bonus.
What is the minimum initial deposit for Barclays Tiered Savings?
There is no minimum deposit to open a Barclays Tiered Savings.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Account Transfer to Avoid Monthly Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY* does Barclays Tiered Savings offer?
Barclays Tiered Savings offers a variable APY* starting at 3.65% and ranging up to 3.75% (APY stands for annual percentage yield, rates may change). This is much higher than the national average rate for savings accounts.
* Barclays Tiered Savings Annual Percentage Yields (APYs) are accurate as of 04/14/2026 and may change at any time without prior notice, before or after the account is opened. The APYs are determined by the Balance Tiers (Tiers) and the amount deposited. The same rate may apply to multiple Tiers and Tiers may change without notice. APY is calculated based on the Tier into which the end-of-day account balance falls. Fees could reduce the earnings on the account. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.
- 3.75% APY for $250,000 or more
- 3.65% APY for $0 to <$250,000
What fees does Barclays Tiered Savings charge?
Barclays Tiered Savings does not charge a monthly service fee. See the fee breakdown section below to view all fees.
What features and perks does Barclays Tiered Savings offer?
This savings account includes the following features:
- Mobile Banking Services - Barclays Tiered Savings allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
Can you set up a direct deposit to Barclays Tiered Savings?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
Barclays Tiered Savings Disclosure: * Barclays Tiered Savings Annual Percentage Yields (APYs) are accurate as of 11/19/2025 and may change at any time without prior notice, before or after the account is opened. The APYs are determined by the Balance Tiers (Tiers) and the amount deposited. The same rate may apply to multiple Tiers and Tiers may change without notice. APY is calculated based on the Tier into which the end-of-day account balance falls. Fees could reduce the earnings on the account. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.
- 4.00% APY for $250,000 or more
- 3.85% APY for $0 to <$250,000
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Services by Barclays Bank
Other Savings Accounts from Barclays Bank
APY (Annual Percentage Yield)
3.40%
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Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$0
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