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Marcus by Goldman Sachs®

Marcus by Goldman Sachs®

Banking & Personal Finance

260K ratings
666 reviews
#143 in free Finance
🔧 Utilities
💰 Finance
Free

Details

  • Released
  • Updated
  • January 6, 2020
  • July 28, 2026

Developer

Goldman Sachs
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About

Manage your finances and grow your savings with competitive interest rates on various account types. Easily open accounts, add funds, and track your progress with helpful tools. All deposits are FDIC-insured for your peace of mind.

✓High-yield savings accounts
✓CDs with competitive rates
✓No-penalty CDs
✓Rate bump CDs
✓Manage accounts on the go
✓Financial calculators
✓FDIC-insured
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What users say

Summarized from real user reviews of Marcus by Goldman Sachs®. Based on 260K reviews and a 4.9/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Easy to use
  • 👍Great app design
  • 🚀Smooth performance
  • 💰Competitive interest rates
  • 🔒Secure banking

Negative things

  • 🐛Technical issues
  • 🔒Difficulty accessing funds
  • 👎Degraded app features
  • 🕰️Slow money transfers
  • 🤔Inconsistent user experience
See all reviews

What's New in Marcus by Goldman Sachs®

2.24.0

July 28, 2026

This release contains bug fixes and performance improvements. Enjoying the Marcus app? We'd love to hear more about it! Please consider leaving us a rating or review.

More

Charts

Top Free

📈 143+3

Finance

This app rose +3 positions in Finance chart.

Last updated on August 9, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Wire transfer

In the event that I wish to make a wire transfer, I have to call Marcus up directly. I would prefer to have the option on the app. It’s actually pretty poor.
DerbyCTDerbyCT

Review

Wonderful, wonderful!
marc 4️⃣0️⃣0️⃣marc 4️⃣0️⃣0️⃣

Best On Line Savings

Just like the title I believe the Marcus app and service is the best on line savings vehicle. Ease of use and solid interest rates that beat all big bank savings accounts interest rates.
USABKSFLDUSABKSFLD

Almost Excellent

Easy to use. Its one failure is the lack of 2FA.
Jeff RJeff R

Beneficiary setup unsuccessful

Your public information is wrong and it doesn’t let me to setup my daughter as my beneficiary.
Any Account HolderAny Account Holder
See 661 more reviews

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User experience

🐞

Reported Bugs

3 issues

Login issues and account lockouts

Bug

Missing or incorrect transaction history

Bug

Unreliable app connectivity and performance

Bug
✨

Requested Features

5 requests

Add ability to name accounts

Feature

Restore monthly spending line graph

Feature

Improve transaction tracking and categorization

Feature

Provide real-time balance updates and notifications

Feature

Enable open banking integration

Feature

FAQ

What does the Marcus by Goldman Sachs app do?

The app allows users to grow and manage their savings with competitive interest rates on various account types like Online Savings Accounts, High-Yield CDs, No-Penalty CDs, and Rate Bump CDs. You can open accounts, add funds, check balances, schedule transfers, and use calculators to predict growth, all within the app.

What are the key features of the Marcus by Goldman Sachs app?

Key features include earning competitive rates on savings and CDs, the ability to open and fund accounts easily, managing accounts on the go, checking current rates, using growth calculators, and the security of FDIC-insured deposits. There is no minimum deposit required for the Online Savings Account.

Is the Marcus by Goldman Sachs app free to use?

Yes, the app itself is free to download and use. The monetization model is free, meaning there are no upfront costs or subscription fees to access its banking and personal finance management features. While the app is free, it does display advertisements.

What kind of accounts can I open with Marcus by Goldman Sachs?

You can open several types of savings and investment accounts. These include Online Savings Accounts, High-Yield CDs, No-Penalty CDs, and Rate Bump CDs. All deposit products are provided by Goldman Sachs Bank USA and are FDIC-insured.

Who is the target audience for the Marcus by Goldman Sachs app?

The app is designed for individuals who want to maximize their savings by earning competitive interest rates and manage their personal finances effectively. It's suitable for those looking for a secure, user-friendly platform to track their financial growth and access banking services.