Open Tiered Savings4.00%+ tiered APY · $0 fees · $0 minimum · FDIC insured up to $250K
Claim $200 Welcome BonusOne-time bonus on qualifying deposit · Credited in 30 days
A 200-year-old global bank with a sleek online savings product — higher APY tiers as your balance grows, no monthly fees, and a $200 welcome bonus. Here's our complete, independent breakdown.
FDIC-insured · No minimums · Opens in about 5 minutes.
See this month's top-rated banks across savings, checking, business and home equity — updated live.
Independently ranked, FDIC-insured.
4.00%+
Tiered APY
$200
Welcome bonus
$0
Monthly fees
$250K
FDIC coverage
Barclays' flagship online savings — tiered rates starting at 4.00% APY, a $200 welcome bonus, and zero fees on every dollar.
High-yield online savings
From 4.00% APY · $0 to open · $0 monthly fees
Open SavingsLimited-time offer
$200 cash bonus on qualifying deposit · Paid in 30 days
Claim $200 BonusFounded in 1690 in London, Barclays is one of the world's largest and most established banks, with operations in 40+ countries and over $1.5 trillion in assets under management.
Barclays Bank Delaware is a U.S.-chartered, FDIC-insured subsidiary focused on a clean, no-frills online savings product designed for serious savers — and rewards bigger balances with progressively higher tiers.
Founded
1690
Customers
48M+
HQ (US)
Wilmington, DE
Charter
FDIC-insured
Bank-grade security
256-bit encryption + 2-factor login
Tiered APY
Earn more as your balance grows
Global brand trust
330+ years of banking heritage
FDIC insured
Up to $250K per depositor
Barclays keeps it focused — but their broader product lineup goes well beyond the headline savings account.
Lock in a guaranteed rate.
Terms from 3 months to 5 years
Cash back, travel & brand-partner rewards.
Co-branded with JetBlue, AAdvantage, Hawaiian & more
Fixed-rate loans up to $50,000.
APR from 7.99% · No origination fees
330+ years of trusted banking.
Operations in 40+ countries · $1.5T+ AUM
Takes about 5 minutes — no hard credit pull required.
Standard ID verification, usually instant.
Link your existing bank or transfer in any amount.
Watch your balance grow into higher APY tiers automatically.
Open Tiered Savings online in minutes. 4.00%+ APY, $200 welcome bonus, $0 fees, FDIC insured.
Higher APY, bigger welcome bonuses, and zero monthly fees — our editor-picked alternatives across the two accounts that matter most.
Barclays FAQ
Yes. Barclays Bank Delaware is FDIC-insured up to $250,000 per depositor, per ownership category. Your money is protected by the U.S. government — even though the parent company is headquartered in London.
Your APY automatically increases as your balance crosses certain thresholds. The base tier starts at 4.00% APY, with progressively higher rates for larger balances. No action needed — tiers update automatically.
Open a new Tiered Savings Account through PickYourBank's link and meet the qualifying deposit requirement within the promotional window. Bonus is typically credited within 30 days of qualifying activity.
No monthly fees, no minimum balance fees, no transfer fees. Barclays Online operates with a true $0-fee model on the savings product.
Standard ACH transfers between Barclays and your linked bank typically settle in 1–3 business days, with no transfer fees.
Barclays leads on raw APY for larger balances thanks to its tiered structure and offers a stronger $200 bonus than Capital One's standard savings. It lacks a checking account (unlike SoFi and Capital One) but is purpose-built for serious savers.
Up to 4.10% APY · zero fees · FDIC-insured banks ranked monthly.
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Compare checkingBuilt for ownersFree wires, virtual cards, and high-APY business accounts.
Compare businessLock in your rateUp to 4.50% APY · fixed terms 3 mo – 5 yr · FDIC-insured.
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