Bounty
Worth it?

Barclays Tiered Savings bonus: is $200 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

−$141: you'd earn more where it is
With the bonus2.43%
Leave it where it is4.15%

Yearly rate on $25,000 while it's there, bonus included.

The math

Compared with leaving $25k at 4.15%

Bonus
+$200
Interest while it's there
No interest assumed
$0
What it'd earn at home
$25,000 at 4.15% for 4 mo
−$341
Extra
−$141
Works out to 2.4% a year on that cash, vs 4.15% at home.

Deposit $25,000 in new money within 30 days · Keep $25,000 there until day 120. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $25,000 in new money within 30 days
  2. 2Keep $25,000 there until day 120
Ends
Oct 31, 2026
Where
Nationwide
Monthly fee
None
Cash stays
About 120 days
Bonus paid
Usually within 60 days of finishing
Credit check
None
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Barclays Tiered Savings bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25,000 tier adds −$141: the $200 bonus, minus the $341 that cash would have earned in 120 days. At that rate it doesn't beat leaving the cash where it is. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $25,000 in new money within 30 days; keep $25,000 there until day 120. Open nationwide.

When does it end?

The offer ends Oct 31, 2026. The terms were last checked Oct 10, 2026.