Barclays Tiered Savings review

Barclays Tiered Savings advertises up to 3.65% APY, with the rate rising as the balance moves through tiers, so the headline rate is for larger balances rather than every dollar. There are no monthly maintenance fees and no minimum balance to open, and you manage the account through secure 24/7 online access with direct deposits and online transfers. The extra for this list is a $200 bonus: open a new Tiered Savings account through January 31, 2027, fund it with at least $25,000 within the first 30 days and keep that balance for 120 consecutive days, and Barclays adds the bonus about 60 days later. Deposits at Barclays Bank Delaware are insured up to the maximum allowed by law. The trade-offs are that smaller balances earn less than the advertised top rate, the bonus ties up $25,000 for four months, and there are no branches. Barclays also offers a flat Online Savings account for savers who do not want tiers.

Who it is for

savers depositing $25,000 or more

Price

$0 monthly maintenance fees, no minimum balance to open; up to 3.65% APY.

No monthly maintenance fees. No minimum balance to open.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Up to 3.65% APY in Tiered Savings
• $200 bonus for new Tiered Savings accounts funded with $25,000 within 30 days, offer through January 31, 2027
• No monthly maintenance fees and no minimum balance to open
• Direct deposits and online transfers
• Secure 24/7 online access

Strengths and weaknesses

• Strength: $200 bonus for a $25,000 deposit held 120 days
• Strength: No account fees or opening minimum
• Strength: Separate Online Savings account for simpler flat savings
• Weakness: Top 3.65% APY applies only at higher balance tiers
• Weakness: Bonus requires keeping $25,000 for 120 consecutive days
• Weakness: Online only, with no branches

Key facts

• APY: Up to 3.65%
• Monthly fee: $0
• Minimum to open: None
• Bonus: $200 after $25,000 for 120 days, through 01/31/2027

Where it ranks

Barclays Tiered Savings is No. 8 in our Best High-Yield Savings Accounts verdict and No. 6 in Best Savings Accounts.