Barclays vs SoFi
Barclays Online Savings pays 4.05% APY; SoFi High-Yield Savings pays 4.00%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Barclays
3.20%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: Competitive rate with easy online access
Open with Barclays →Option B
SoFi
3.10%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: Savers who want the highest rate with no minimums or fees
Open with SoFi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 5/7/2026.