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Marcus by Goldman Sachs UK review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Marcus by Goldman Sachs UK pairs a variable 3.75% rate with on-demand withdrawals and a monthly fee of £0. It suits savers who want instant access to their money and do not mind tying up a UK current account to hold savings.

Key facts

Best for
Easy-access savings with a competitive variable rate and no monthly charge.
Headline rate
3.75%↗
Rate type
Variable↗
Minimum deposit
£1↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
On-demand access: withdraw any time by logging in online or by phone; per-payment and daily withdrawal limits may apply; up to GBP 250,000 per account; linked account must be a UK current account in your name↗
Monthly fee
£0↗
Account kind
Easy access↗
Legal entity
Goldman Sachs International Bank↗
Headquarters
United Kingdom↗
Founded
2018↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
marcus.co.uk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Variable rate of 3.75% with a easy access account and no fixed term to lock into
  • Monthly fee of £0 on the online savings account, so the balance is not eaten by charges
  • Deposits are covered by FSCS up to GBP 85,000 through the FSCS
  • Money can be taken out at any time online or by phone, subject to per-payment and daily limits

Cons

  • Withdrawals are capped at a set amount per account, so large sums may need splitting
  • The linked account must be a UK current account held in your own name, which rules out some customers
  • The rate is variable, so the return can move down as well as up
Marcus by Goldman Sachs UK

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Savers who keep an emergency pot and want it back the same day
  • Customers happy to open and run a UK current account alongside the savings
  • People who prefer online or phone service over branches

Who should look elsewhere

  • Savers after a guaranteed return, since the rate is variable
  • Anyone without a UK current account in their own name, as the link is required
  • Large balances who need to move the whole sum in one payment, given the account cap

How Marcus by Goldman Sachs UK compares

Where Marcus by Goldman Sachs UK is available

Available
United Kingdom
Licence in United Kingdom
Prudential Regulation Authority (124659), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Marcus by Goldman Sachs UK pay?+

The online savings account pays a variable rate of 3.75%. Because the rate is variable, it can move in either direction, so the figure is a guide rather than a promise for the whole year.

Are there any monthly fees?+

The monthly fee on the online savings account is £0, and the account runs on a no monthly fee model. There is no charge for holding the balance, so interest is not eaten by an account cost.

How much money can I deposit?+

The minimum deposit is £1, which is a low starting point for a first transfer. Once the account is open you can add money as it suits you, and on-demand access applies.

Can I get my money out quickly?+

Yes, this is an easy access account, so you can withdraw at any time by logging in online or by phone. Per-payment and daily withdrawal limits may apply, and there is a cap per account.

Is my money protected?+

Deposits are covered by FSCS up to GBP 85,000 through the FSCS. The account is held with Goldman Sachs International Bank, which is regulated in the UK by the Prudential Regulation Authority.

What do I need to open an account?+

You need a UK current account in your own name to link to the savings account. The brand was founded in 2018 and operates from the UK.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre, so you can reach the team by email or phone, or use the help centre. There is no branch network to visit.

Sources

  • marcus.co.uk/uk/en/public-site/about-us checked September 26, 2026

    Backs: Founded

    “Since launching in the UK in 2018, we have grown to service around one million customers and their hard-earned savings.”

  • marcus.co.uk/uk/en/public-site/contact-us checked September 26, 2026

    Backs: Deposit protection, Headquarters, Legal entity, Support channels, Licences

    “Our registered office is at Plumtree Court, 25 Shoe Lane, London, EC4A 4AU.”

  • marcus.co.uk/uk/en/savings/online-savings-account checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type

    “Can I withdraw money? Yes, by logging into your account or by calling us. There may be limits to how much you can take out of your Marcus account online, in one payment or per day. Up to 250,000 can...”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Marcus by Goldman Sachs UK

Marcus by Goldman Sachs UK

Easy-access savings with a competitive variable rate and no monthly charge.

8.7/10See alternatives