Barclays
Barclays Tiered Savings
By Alex Compton · Last verified
Online savings with rates based on the end-of-day balance tier
Insurance: FDIC insured up to $250,000 through Barclays Bank Delaware
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-11-02 | 3.50% under $250,000; 3.65% on $250,000-$1M (as of November 2026) | $0 | None | Barclays Tiered Savings page, checked November 2, 2026 →Freshness-rotation reconfirmation: Barclays' site still shows up to 3.65% top tier / 3.50% below $250,000, dated 10/07/2026. No change. |
| 2026-10-23 | 3.50% under $250,000; 3.65% on $250,000-$1M (as of October 2026) | $0 | None | Official product terms reviewed October 23, 2026 →Confirmed tier rates through the public rate endpoint; removed unsupported superiority and blanket bonus claims and clarified coverage limits. Full-record date retained. |
| 2026-10-05 | 3.50% under $250,000; 3.65% on $250,000-$1M (as of October 2026) | $0 | None | Archive record · no attached snapshotPreviously published editorial snapshot; not evidence of the bank’s rate-change date. |
Primary-source verification log
Append-only evidence ledger- changed
Confirmed tier rates through the public rate endpoint; removed unsupported superiority and blanket bonus claims and clarified coverage limits. Full-record date retained.
Fields: tagline, features, pros, cons, ourTake, bestFor, termHistory
Official savings product terms; scoped review →
Plan Options
Under $250,000
$0
3.50%
- ▸Applies across every balance band below $250k
- ▸No minimum to open; need only enough to earn $0.01 for interest to post
$250,000 to $1,000,000
$0
3.65%
- ▸Top tier rewards large balances
- ▸Same fee-free structure, higher yield
Features
- ▸Published APY is 3.50% below $250,000 and 3.65% from $250,000 through $1 million; rates checked November 2, 2026
- ▸The end-of-day balance determines the applicable tier
- ▸No minimum opening balance or monthly maintenance fee
- ▸Separate bonus offers have funding, holding-period and deadline requirements
- ▸Do not confuse Tiered Savings with Barclays Online Savings or Select Savings
Pros
- +No minimum opening balance or monthly maintenance fee
- +Published balance tiers make the rate conditions visible
- +Online account access
Cons
- −Variable APY and tier definitions can change
- −A higher balance tier does not increase FDIC insurance limits
- −Check transfer timing and available withdrawal methods before funding
Our Take
Compare Barclays Tiered Savings using the rate for your actual balance. The higher tier starts at $250,000, so review deposit insurance before adding money just to earn a higher APY. Evaluate any separately advertised bonus using its own deposit deadline and holding period.
Best for: Savers comparing balance-tiered APYs with no monthly maintenance fee
Open at Barclays →Last verified 2026-11-02
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