Bread Savings

Bread Financial Holdings, Inc.

About this app

If you’ve opened a high-yield savings account or CD with the Bread Savings online bank, this app is for you. Start saving more towards your best life, even when you’re on the go.

Ready to download the app? Please sign in with your online banking username and password.

Want more information? Here’s everything you can do with this Bread Savings app:

• Access your savings or CD accounts quickly and securely. Touch ID and PIN authentication allow sign-in using your fingerprint or personal passcode.

• Monitor your activity. View your account balances and transactions, all in one place.

• Make deposits with mobile check capture. Use your phone’s camera to snap a picture of your check – easy as can be!

• Transfer funds effortlessly. Generate one-time or repeating automatic transfers to other linked bank accounts.

• Have it your way. Customize your interface and add your own tags, images and notes to create a personalized banking experience.

• Get your questions answered. Speak with Bread Savings Customer Care at the touch of a button.

Hey, if you’ve got a Bread Financial branded credit card and you’re looking to make payments to your account, we’re sorry, this app isn’t for you. Instead, Bread Financial credit card customers can go to Account Center for everything related to your account

Ratings and reviews

I continue to use Bread Financial's high yield savings account because of its good APY rate. The only issue I have had is I changed my email address and updated it online. This apparently caused my account to go into a restricted state. I rarely log into my account so had no notification of this until weeks later when I happened to log in to check the interest rate. I think I should have received a text message or a phone call when this was done. Otherwise I have no complaints.

I'm sure the increased return on APY is not worth dealing with all the negatives of switching to this bank. Very minimal quality of life features in the app, like it was built in 2015. Very long holds they force onto your money, for the first month it's 10 days. After that, it's 5 days. So after 30 days you still have to wait the normal transaction time + the week long hold + the weekend before you can move, withdraw, or organize YOUR money. Pathetic, and embarrassing 🤷 stay away.

The interest rate for the HYSA is great. The three stars is for continued frustration over access to the money and issues with the app. New deposits are restricted from withdrawal. The HYSA has a $5000/day withdrawal max. Since I am using these accounts for emergency savings and property tax savings, the $5000 limit is frustrating. Also, the app is regularly "under maintenance" or experiencing some other problem, preventing me from creating a transfer.

What’s new

Version 3.30.0 • Bug fixes and performance improvements