# Bread Savings — user reviews > 130 indexed App Store user reviews of Bread Savings by Comenity LLC, rated 4.70/5 from 6,085 ratings. - Source: https://appshunter.io/ios/app/bread-savings/id1418641581/reviews - App overview in markdown: https://appshunter.io/ios/app/bread-savings/id1418641581.md - Rating breakdown: 5★ 5,269 · 4★ 375 · 3★ 137 · 2★ 59 · 1★ 245 ## What do users think of Bread Savings? Overall sentiment: neutral **Pros** - 🚀 Easy to use app - 👍 Responsive customer service - 💰 Competitive interest rates - 🏦 Great online banking platform **Cons** - 🐛 Frequent app crashes - ⏱️ Long customer service wait times - 🔒 Account access issues - 🔍 Lack of account visibility **Commonly reported bugs** - Login credentials not working - Updating app causes issues - Inconsistent account information **Most requested features** - Integrate credit card management - Add multi-account view - Improve transfer limits and hold times ## Newest reviews (10 of 130) ### 4/5 — Highly Recommend *2026-08-16, version 3.36.0* Easy to use, super simple app, high savings interest rate. Very happy with this product! ### 5/5 — HYSA *2026-04-17, version 3.30.2* Bread gives interest rates as high as anyone. Their app and site function perfectly and do everything an HYSA should be able to do. CDs are easy to set up and have good rates. When you really need to contact a human, you can. ### 5/5 — Everything I need with a HYSA *2026-04-12, version 3.30.2* The account was easy to start. The interest rate has been amazing, too bad I hopped on the HYSA so late, I would have benefited much more, regardless, my HYSA is still one of the highest in the market. I had to perform a wire transfer the other day, I was a bit worried, but customer service walked me through everything, and then they called me to further verify that the wired money was being sent to the correct account, and address. One of my favorite features of this account, being able to see my daily accrued interest!! (Typically hits after 12AM PST). I have the most confidence having my savings held at this location! Thank you! ### 2/5 — Very Challenging to get your Money Out after CD Term *2026-04-01, version 3.30.2* 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. ### 5/5 — Simplicity *2026-03-31, version 3.30.2* A system for myself to create wealth no matter how big or small it may be ### 2/5 — Nice interest rate *2026-03-24, version 3.30.2* Nice interest rate if I get my funds back. I not satisfied with the lack of commutation now my CD matured. ### 5/5 — Great Bank *2026-03-17, version 3.30.2* The app is easy to use, simple and straightforward. I highly recommend Bread Savings. ### 5/5 — A highly reliable investment choice *2026-03-08, version 3.30.2* Bread provides a most competitive and reliable, durable, overall APY for a mix of High Yield Savings and CDs. I have been tracking and using them happily for the past 2+ years. . ### 5/5 — They’re a great main emergency fund bank *2026-03-06, version 3.30.2* The app works. I think I’ve rarely had issues over the past few years. They’ve added little features over time. The one time I had to call them for a wire transfer, it was fine. I like the unlimited ACH transfers. ### 5/5 — Best Bread Ever *2026-01-22, version 3.30.0* Bread will help you make that cheddar with a high yield savings account in no time and the app makes it convenient to access. ## Most critical reviews (10 lowest-rated) ### 1/5 — Threshold too low *2026-08-25, version 3.37.0* The $5,000 daily limit for transfers out is too low ### 1/5 — App stopped working *2026-08-14, version 3.36.0* 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. ### 1/5 — New update broke the app *2026-08-04, version 3.36.0* The app no longer allows you to log in after the latest update. ### 1/5 — App *2026-07-26, version 3.30.2* 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. ### 1/5 — bad bad bad *2026-07-25, version 3.30.2* worst of worst ### 1/5 — READ THE FINE PRINT! *2026-05-22, version 3.30.2* 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. ### 1/5 — Literal scam *2026-05-04, version 3.30.2* 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 ### 1/5 — My withdrawal amount should not be limited *2026-03-17, version 3.30.2* Will consider other banking institutions ### 1/5 — Don’t bother with online support, no one answers *2026-02-03, version 3.30.2* As the title says, only use phone support to do things like redeem CDs as no one has answered messages after several days waiting ### 1/5 — Does not work at best *2026-01-18, version 3.30.0* Have not received interest payments since September and app crashes when checking my balance ## Most praised reviews (10 highest-rated) ### 5/5 — A Great savings app *2026-08-20, version 3.37.0* 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. ### 5/5 — Fixed! *2026-08-19, version 3.37.0* Recent update fixed the login issues from last. Thank you! ### 5/5 — What happened? *2026-08-02, version 3.36.0* 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. 🙄 ### 5/5 — Jay *2026-07-19, version 3.30.2* Great way to do Business. ### 5/5 — Joseph E Huhn *2026-06-11, version 3.30.2* Easy to navigate ### 5/5 — Simple High-yield Savings *2026-06-04, version 3.30.2* 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 ### 5/5 — Great online banking. *2026-05-25, version 3.30.2* Very simple to use and do not have any problems!!! ### 5/5 — Outstanding *2026-05-04, version 3.30.2* User friendly, excellent customer service and reliable! ### 5/5 — Great Bank *2026-04-20, version 3.30.2* Love the high yield account and super easy to open! ### 5/5 — Well designed, logical flow *2026-04-20, version 3.30.2* And works flawlessly --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*