New Tiered Savings customers who deposit $25,000 within 30 days and maintain it for 120 consecutive days receive a $200 cash bonus added to their account.
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This is an example of a promotion that could suit this business. It is not a guaranteed active offer or a working discount code. Check the website for current deals.
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Barclays US Online Savings is the online banking arm of Barclays for American consumers, offering high-yield savings accounts and Certificates of Deposit without requiring a minimum balance to open. Accounts are FDIC-insured and backed by the full faith and credit of the U.S. Government.
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About Barclays US Online Savings
Account types
Tiered Savings, Online Savings, Certificates of Deposit
Maximum APY (Tiered Savings)
Up to 3.75%
Minimum balance to open
None
Monthly maintenance fees
None
FDIC insured
Yes
CD terms available
6, 9, 12, 18, 24, 36, 48, and 60 months
Current bonus offer
$200 bonus for new Tiered Savings customers depositing $25,000 (offer expires 7/31/2026)
Service type
Online only
Barclays US Online Savings operates in the online-only savings segment, targeting consumers who want straightforward deposit products without the overhead costs of traditional brick-and-mortar banking. The platform offers three main product types: a Tiered Savings account with rates up to 3.75% APY, a standard Online Savings account, and Certificates of Deposit with terms ranging from 6 to 60 months. There are no monthly maintenance fees and no minimum balance requirements to open an account, positioning this service in the accessible end of the high-yield savings market. The Tiered Savings account is notable in that it rewards higher balances with higher rates, making it more attractive for consumers who can maintain larger deposits.
Active promotions
Ready to use with your order at Barclays US Online Savings.
Open a Certificate of Deposit with no minimum opening balance and lock in a fixed APY for a term of your choice, ranging from 6 to 60 months.
Example promotion
This is an example of a promotion that could suit this business. It is not a guaranteed active offer or a working discount code. Check the website for current deals.
To the shop
Barclays US Online Savings in the news
Recent updates and background about Barclays US Online Savings, summarised in our own words.
Barclays among top high-yield savings options at major banks
CNBC compiled an overview of high-yield savings accounts offered by large banks, with Barclays included among the highlighted options for 2026. The comparison focuses on accounts that offer above-average returns for everyday savers. No specific rates are detailed in the available source information.
Comparison between Ally Bank and Barclays Bank
SmartAsset has put together a side-by-side comparison of Ally Bank and Barclays Bank, aimed at helping consumers choose between the two online banking providers. Both institutions operate primarily online and offer savings products. The comparison likely covers factors such as interest rates, account features, and accessibility.
Barclays Bank reviewed for savings rates and CD offerings
Barclays Bank has been evaluated for its savings accounts and certificates of deposit, both of which are noted for competitive interest rates. A notable feature is the absence of monthly maintenance fees on these products. The review was published by Yahoo Finance and covers expectations for 2026.
Summaries by Image Review based on publicly available sources and our own editing. External links may contain affiliate links.
What others ask about Barclays US Online Savings
Answers to the most common questions, based on search behaviour and our own research.
Is Barclays US Online Savings a trustworthy place to keep my money?
Barclays US Online Savings accounts are FDIC-insured and backed by the full faith and credit of the U.S. Government, which means deposits are protected up to the applicable federal limit. Barclays is an established international banking institution with a dedicated online banking platform for U.S. consumers.
What interest rate can I earn with a Barclays online savings account?
The Tiered Savings account offers up to 3.75% APY, with rates that increase as your account balance grows. The standard Online Savings account and CDs also offer competitive rates, with CD APYs ranging from 2.00% to 3.50% depending on the term chosen.
Is there a minimum deposit required to open a Barclays savings account or CD?
No minimum balance is required to open a Barclays Online Savings account, Tiered Savings account, or Certificate of Deposit. However, funding for a CD must occur within 14 days of opening, and a minimum balance must be maintained for interest to post.
How does the $200 bonus offer from Barclays work?
New Tiered Savings customers who deposit at least $25,000 within the first 30 days of opening and maintain that balance for 120 consecutive days are eligible for a $200 bonus, added to the account approximately 60 days after the requirement is met. The offer expires on July 31, 2026, and existing or previous Barclays savings or CD customers are not eligible.
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