Barclays Bank Delaware vs SoFi Bank
Head-to-head comparison of Barclays Online Savings and SoFi Checking and Savings, updated daily.
Barclays Bank Delaware currently wins on APY: 4.35% vs 4.00%
| Feature | Barclays Bank DelawareUpdated 1d ago | SoFi BankLive |
|---|---|---|
| APY | 4.35%★ | 4.00% |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.3 / 5 | 4.7 / 5★ |
Barclays Bank Delaware verdict
Barclays is a quietly excellent option that does not get the marketing attention of SoFi or Marcus. APY is consistently within 10-20bps of the leaders, and the institution is well-capitalized. Worth considering if you want a non-U.S.-headquartered bank exposure.
Read full Barclays Bank Delaware review →SoFi Bank verdict
SoFi remains one of our highest-rated picks for everyday savers in April 2026. The headline APY is gated behind a recurring direct deposit requirement, but for anyone who can route their paycheck through SoFi, it is one of the best risk-adjusted yields available from a fully insured U.S. institution. The bundled checking-and-savings product means you get a high APY without needing to maintain a separate account elsewhere.
Read full SoFi Bank review →