Marcus by Goldman Sachs review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Marcus by Goldman Sachs suits US savers who want a high-yield savings account with no minimum deposit and no monthly fee. The headline rate of 3.5% sits above both Wise and bunq, and money can move out on demand, day to day, with no withdrawal limit.
Key facts
- Best for
- A no-fee, no-minimum easy-access savings account in the US.
- Headline rate
- 3.5%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Access terms
- On-demand access, no withdrawal limit, same-day transfers of $100,000 or less↗
- Monthly fee
- $0↗
- Account kind
- Easy access↗
- Legal entity
- Goldman Sachs Bank USA↗
- Headquarters
- United States↗
- Support channels
- Phone, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- marcus.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of $0 and a minimum deposit of $0, so holding the account costs nothing.
- The 3.5% rate is above Wise at 3.29% and above bunq at 3.01%.
- On-demand access with no withdrawal limit, plus same-day transfers out.
- Deposits are covered by FDIC up to USD 250,000 at Goldman Sachs Bank USA.
Cons
- The rate is variable, so the 3.5% on offer can move rather than staying fixed for a term.
- Ranked 189 of 488 on the site's headline rate table, so some rivals pay more.
- The bank behind the account is based in the United States, so it is built for American savers rather than a wider market.
Who it suits
- US savers who want a variable rate with no minimum deposit and no monthly fee.
- People holding an emergency fund, since the account is easy access and withdrawals come on demand with no limit.
- Anyone who wants help by phone or chat, available on phone, chat and help centre.
Who should look elsewhere
- UK and European savers, who will get more from comparing Wise at 3.29% than from a US bank account.
- Savers who want a rate fixed for a term, since the variable rate here can change and Finteres publishes 0% to 36% instead.
Where it sits among rivals
Ranked 189 of 488 on headline rate, the account sits well down the site's savings tables, so other providers pay more. Minimum deposit is its strongest showing, placing it at 1 of 379 on that measure. Cost of holding, not rate, is where it wins.
How Marcus by Goldman Sachs compares
9.2 vs 8.0
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Where Marcus by Goldman Sachs is available
- Available
- United States
- Licence in United States
- FDIC (Federal Deposit Insurance Corporation) - deposit insurance, Goldman Sachs Bank USA (33124), checked September 26, 2026
- Licence in United States
- FDIC (FDIC cert 33124), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest rate do I get and is it fixed?+
The headline rate is 3.5% and it is variable, which means it follows the market rather than staying put for a set term. The account is easy access, so there is no lock-in period to wait out before you can take money out.
What does it cost to keep the account open?+
The monthly fee is $0 and the minimum deposit is $0, so there is nothing to pay for holding it. The pricing model is no monthly fee, which means no charge is taken from your balance simply for keeping it open.
Is my money protected?+
Deposits sit with Goldman Sachs Bank USA, which is named on the FDIC cert FDIC cert 33124. Deposit protection is FDIC up to USD 250,000, so eligible balances are covered by the US federal deposit insurer up to that stated ceiling.
How quickly can I get money out?+
Access is on demand with no withdrawal limit, and transfers up to a set amount arrive the same day. Because the account is easy access, you reach your savings straight away rather than waiting out a notice period.
How much do I need to start saving?+
The minimum deposit is $0, so you can open the account and start earning 3.5% from a small balance. On the site's savings tables it places 1 of 379 on that measure, which is its strongest ranking.
Who can open it and how do I get help?+
The account is run by Goldman Sachs Bank USA, which is based in the US, so it is aimed at savers with US bank details. Support runs on phone, chat and help centre, so a phone call or a chat is available once you hold an account.
How does the rate compare with Wise, bunq and Finteres?+
The 3.5% here is above Wise at 3.29% and above bunq at 3.01%. Finteres publishes 0% to 36% as a range rather than a single variable rate, which makes a like-for-like comparison harder.
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/33124 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=33124; NAME=Goldman Sachs Bank USA; WEBADDR=www.marcus.com; ACTIVE=1”
- marcus.com/us/en/banking-with-us/contact-marcus checked September 26, 2026
Backs: Support channels
“US Toll-Free: 1-855-730-7283 ... 24 hours a day / 7 days a week ... Marcus customers can chat with us 24 hours a day / 7 days a week ... Deposit Accounts FAQs”
- marcus.com/us/en/faqs checked September 26, 2026
Backs: Deposit protection, Monthly fee
“We do not charge fees for transfers to or from your Online Savings Account.”
- marcus.com/us/en/savings/high-yield-savings checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Pricing model
“Unlimited access to funds. ... At this time, there is no limit to the number of withdrawals or transfers you can make from your Online Savings Account.”
- marcus.com/us/en/savings/referrals checked September 26, 2026
Backs: Account kind, Rate type
“Everyday high-yield rate - currently 3.50% APY. Unlimited access to funds. No fees. No minimum deposit.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Marcus by Goldman Sachs
A no-fee, no-minimum easy-access savings account in the US.