Bread Savings
How much does Bread Savings cost?
Prices are current as of 12 Sept 2026.
Bread Savings has no in-app products on record in the United States.
10+ alternatives to Bread Savings
| Bread Savings |   Bread Financial |   UFB Direct® |   Axos All-In-One Mobile Banking |   EverBank Mobile Banking |   Openbank U.S. |   Vio Bank Mobile |   Bask Bank Mobile |   Forbright Bank |   Newtek Mobile Banking |   Pibank USA | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.7 | 4.8 | 4.8 | 4.7 | 4.8 | 4.7 | 4.6 | 4.7 | 4.8 | 4.5 | 2.1 |
| Reviews | 6.2K | 160K | 20K | 19K | 18K | 13K | 4.8K | 3.2K | 2.6K | 346 | 207 |
| Released | 2018 | 2023 | 2019 | 2018 | 2024 | 2024 | 2018 | 2019 | 2024 | 2023 | 2024 |
Bread Savings reviews
4.7 out of 5, based on 6,221 reviews.
What people like
- Interface is super simple to use
- Easy to track daily interest earned
- Interest rates look very competitive
What they complain about
- Support never answers your messages
- App crashes and won't open
- Daily transfer limits are too low
Saving with benefits!
I’m earning interest on my savings plus it’s easy to transfer money to my other bank as needed.
App horrible when compared to Discover and Marcus
How hard is it to make a good app? Just copy what Discover or Marcus does. Rather go with them for lower rate to avoid how horrible this app is.
Highly Recommend
Easy to use, super simple app, high savings interest rate. Very happy with this product!
Very Challenging to get your Money Out after CD Term
Most CD providers give you a simple checkbox option to, at the en of your term, disperse your balance back to your bank account to allow you to find a new CD with whoever has the best rate at the time. Bread tries very hard to keep your money with them. The CD is defaulted to renew with them, and you have to use a very poor (potentially AI) customer service chat to get the account to close at maturity. I have been chatting back and forth for almost a week, and still haven’t managed to get them to agree to close the account.
Deposit limits are too low, and transfers are glitchy
There are things I appreciate about my new HYSA — mobile check deposit, the ability to set up recurring transfers into the account, the ability to message customer service, and competitive interest (although the 3.97% rate currently displayed in my account is lower than the 4.05% rate currently being advertised on their website, which is frustrating — I know rates can change after you open the account, but I only opened it a couple days ago). I was disappointed to see that I’m limited to depositing $2,500 per check and $25,000 per month. My previous savings account had much higher deposit limits, which prevented headaches on occasions when I had a large check I wanted to deposit straight into savings. Also, I took advantage of setting up two monthly recurring transfers today and then was blocked from setting up a third transfer because I supposedly exceeded my daily transfer limit. But the total of the recurring monthly transfers was less than $1,500, and I didn’t actually transfer any money today — I simply set up *future* recurring transfers. So I’ve now hit multiple issues with moving my own money around with ease, which makes me consider continuing my search for a bank that balances competitive interest with staying out of the customer’s way.
Amazing Customer Service
They ensure you are completely taken care of before they hang. Also, they are all from the USA so there are no language barriers or hard accents.
Threshold too low
The $5,000 daily limit for transfers out is too low
Nice interest rate
Nice interest rate if I get my funds back. I not satisfied with the lack of commutation now my CD matured.
A Great savings app
I normally don’t leave reviews, but I think this app deserves one! 😄 I’ve been using Bread Savings for almost a year and I really like how simple and easy it is to use. I can see how much interest my money is earning each day, and I love being able to open multiple savings accounts and organize them by different goals. The rate has gone down a little, but it’s still competitive. I also like that you can start with just $100. Hopefully, the rate stays competitive! Overall, I’m very happy with the app and would definitely recommend it.
App stopped working
I am a Bread Savings account holder living overseas and the app and website both stopped working for me (even with a VPN). The servers have been down for over 24 hours. Please resolve this.
Fixed!
Recent update fixed the login issues from last. Thank you!
New update broke the app
The app no longer allows you to log in after the latest update.
What happened?
Used to work great. Now the app won’t open. Customer support link opens a web page, no support. “Contact us” has no contact info. 🙄
App
Just deposited a check into my Bread Savings account, it does not indicate a pending deposit nor does it indicate the routing number and account number from which this check is written. I have no idea if this check has actually been deposited or not.
Jay
Great way to do Business.
bad bad bad
worst of worst
Joseph E Huhn
Easy to navigate
READ THE FINE PRINT!
I have multiple HYSS’s. Bread is the only account that has a $5,000 maximum withdrawal for the 1st 90 days minimum. If you should choose to transfer a larger amount expect to wait (with Bread claiming no responsibility if the wire transfer was to even be lost)! Pay a $25.00 fee for the wire transfer which Bread can simply deny if they so choose to. Their customer service is absolute trash! I’ve used my personal bank, PayPal, & Amex for HYSA’s and they’ve all been great! Personally Amex has been the easiest, with fair rates and the best customer service by a long shot! Bread with no “brick & mortar” stores. With their employees more than likely working from home, reply when it’s convenient for them using the app’s messaging service. Phone calls to them are just about as fun as calling any other poorly operated A.I. phone system. And certainly check the hours! As Bread certainly does not like to have anything like normal business hours for certain transactions or to speak with a representative. Expect to wait a couple days for communication with them. Know that if your thinking about moving money around and this is not a long term HYSA for yourself (100% knowing you will not need to withdrawal or transfer any of your money in under 180 days), their is a large fee for closing your account. As there is a large wire transfer fee. And other fees at their disposal. Their APY is not worth the extra .2% compared to the majority of better organized and ran FDIC approved HYSA’s I have used, and am using. Bread is by all means a let down, which I strongly recommend against with anyone who is using their HYSA and needs or would like their funds to be fluid and accessible. If your looking for something long term as Bread has their HYSA set up, just go for a 6 month (or whichever timeframe works for you) CD that’s going to have a higher payout without ever having to worry about their HYSA APY fluctuations as an HYSA does. With a CD you’re locked in (as you are with Bread unknowingly on my end, or now with the ridiculous fees I’ll be paying to take my money where I’m happy with a regular normal HYSA service again). I wish I could post a screenshot from the Breads Savings app right on here, as it would scare anyone who is currently interested in investing with Bread. I assure you, it is a mistake if you need your money to be fluid or accessible in any aspect. After your 1st deposit also know that you MAY NOT MAKE A TRANSFER OR TAKE A DIME FROM YOUR HYSA FOR THE 1st 30 BUSINESS days from that deposit. Heed my warning & go elsewhere I assure you I wish I had not trusted Bread Savings. And stayed where I was already quite content & was foolish enough to go for the very slightly higher APY which in the end will only have costed me time, patience, and a loss.
Simple High-yield Savings
Simple and effective. Transfers and external account connections all take 3 days to complete. That’s the only catch to this bank. Thats not at all a problem for a savings account such as this. Strongly recommended
Literal scam
I deposited 100 dollar a few months ago after that the app stopped loading now I lost my money. Support does not respond. Do not know what todo I just lost my money
Great online banking.
Very simple to use and do not have any problems!!!
My withdrawal amount should not be limited
Will consider other banking institutions
Outstanding
User friendly, excellent customer service and reliable!
Don’t bother with online support, no one answers
As the title says, only use phone support to do things like redeem CDs as no one has answered messages after several days waiting
Bread Savings FAQ
- Is Bread Savings free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does Bread Savings have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to Bread Savings?
- Bread Financial (4.8 from 160,257 reviews), UFB Direct® (4.8 from 19,931 reviews) and Axos All-In-One Mobile Banking (4.7 from 19,416 reviews).
Bread Savings download
Last updated 1 month ago.
Bread Savings sells in 1 country. It was released 7 years and 10 months ago, on 13 Nov 2018. It holds a 4.7 rating from 6,221 reviews.
Supports 2 languages: English, Spanish.
How much does Bread Savings make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.