Savings Account Review

Barclays Review (2026)

A dependable tiered APY with no minimum and strong CD rates

By Wealthy Pot · Last updated September 2026

TypeOnline bank

APYup to 3.65% APY (Tiered Savings, balance-tiered)

Minimum to open$0

Min balance for top APYhigher balance tiers

Monthly fee$0

FDICFDIC-insured

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Who Barclays is for

Savers who want a solid tiered APY with no minimum and reliable CDs

APY, minimums & fees

Barclays advertises up to 3.65% APY (Tiered Savings, balance-tiered), with a $0 minimum to open and a $0 monthly fee. Minimum balance to earn the top rate: higher balance tiers. FDIC-insured. APYs are variable — confirm the current rate on the official site.

The bottom line

A dependable tiered APY with no minimum and strong CD rates Main drawback: the top rate is balance-tiered; a dated app; no checking or atm access.

Visit Barclays ↗Compare all savings accounts →

See how Barclays stacks up in our high-yield savings comparison, or find a banking app in our neobanks comparison.

We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against Barclays's official page. Some accounts are brokerage cash insured through partner banks rather than traditional bank savings. Some outbound links may be affiliate links — that never affects which accounts we include or how we rate them. Nothing here is financial advice.