Marcus by Goldman Sachs®

Marcus by Goldman Sachs®

Banking & Personal Finance

265K ratings
687 reviews
#173 in free Finance
🔧 Utilities
💰 Finance
Free

Details

  • Released
  • Updated
  • January 6, 2020
  • August 27, 2026
Marcus by Goldman Sachs® screenshot #1 for iPhone
Marcus by Goldman Sachs® screenshot #2 for iPhone
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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

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+1

What's New in Marcus by Goldman Sachs®

2.25.0

August 27, 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.

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Charts

Top Free

📉 173-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on August 29, 2026.

User reviews

Savings that Stick!

I’ve tried saving money many times before, but Marcus has genuinely changed the way I approach saving. The app is simple, clean, and incredibly easy to use. I especially love being able to name my savings account, schedule recurring transfers, and clearly see the interest I’m earning.

What started as a $400 deposit has grown into a real financial safety net for me. I’ve been able to consistently save from every paycheck, earn a competitive APY, and—most importantly—actually use my savings when unexpected expenses came up without abandoning my goals. Seeing my balance rebuild afterward has made saving feel sustainable rather than restrictive.

Marcus has helped turn saving from something I wanted to do into an actual habit. I check the app regularly, celebrate my milestones, and genuinely look forward to watching my savings grow.

For the first time, I don’t just feel like I have a savings account—I feel like I’m building financial stability. That’s a pretty incredible feeling.

Highly recommend Marcus for anyone who wants a straightforward, motivating way to build their savings.
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Very good

The best bank ever,

No way to report a bug

App is usually great. Latest release however experiences catastrophic failures at some point during authentication or immediately after. There’s no way to report this bug on the Marcus website. It’s been several weeks like this.

TERRIBLE

Marcus is TERRIBLE. Customer service is just awful. I mean as an online bank what else if there for you to be good at besides banking and customer service. And Marcus’ customer service is terrible. Not at all worth the barely competitive hysa rates. After I take all of my money out of this bank which should NOT be as difficult as it is I am never using it again.
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Great Savings Opportunities

The first thing is it’s super easy to navigate and get your Balances to your Accounts and ease of use in making transactions as well as getting historical information from your account

Developer apps

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.