Barclays Tiered Savings Review

3.50% APY under $250K and 3.65% from $250K, with no monthly fee and no minimum to open. Independent Barclays Tiered Savings review: 4.3/5 for high-yield.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 12, 2026.

Our verdict

Large balances are where Barclays makes sense: 3.65% APY starts at $250K, and balances under that earn 3.50%. There's no monthly fee and no minimum to open. It isn't rated higher because there's no checking option, no branches and no ATM network.

Skip it if you want checking at the same bank, or need a branch or ATM network.

About Barclays Tiered Savings

3.50% APY under $250K and 3.65% from $250K, with no monthly fee and no minimum to open. Barclays Tiered Savings is offered by Barclays Bank Delaware. Our editorial rating is 4.3 out of 5.

Best for: Savers who value a global brand with large balances.

Editorial grade: A- (composite score 85/100).

Highlights

• 3.50% APY on balances under $250K and 3.65% on $250K to $1M (Barclays' own rate table, dated October 7, 2026)
• No monthly maintenance fees and no minimum to open
• FDIC insured through Barclays Bank Delaware (certificate 57203)

What we like

• Trusted global brand
• Tiered rates reward larger balances
• FDIC insured up to $250K

Where it falls short

• No checking account option
• No physical branches or ATM network
• Rates are tiered and variable and can change at any time

Fees, minimums, and rates

Monthly fee: $0/month. Minimum to open: $0. Current APY: 3.50%. Rates and fees last checked on October 12, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Barclays Bank Delaware. It is built from Barclays Bank Delaware's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the High-Yield Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

• Barclays Bank Delaware, FDIC certificate 57203: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.