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Marcus by Goldman Sachs Online Savings Account

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About Marcus by Goldman Sachs High-Yield Savings

The Marcus by Goldman Sachs Online Savings Account from Marcus by Goldman Sachs is one of the top-rated High-Yield Savings options evaluated on MoneyCompared, earning an overall product score of 9.8/10. Flagship high-yield online savings account offering consistently top-tier APY, same-day transfers up to $100,000, and zero monthly or transfer fees.

Key highlights include 4.10% APY, a fee structure of $0 Monthly Maintenance Fee, and Marcus Referral Boost (+0.25% Annualized Cash Bonus for 3 Months). Accounts are backed by FDIC Insured up to $250,000 (Goldman Sachs Bank USA) and supported by Marcus by Goldman Sachs's 4.9 / 5.0-rated digital banking experience.

Features

Annual Fee	$0 Monthly Maintenance Fee
Regular APR / Rate	4.10% APY
Intro Offer / Welcome Bonus	Marcus Referral Boost (+0.25% Annualized Cash Bonus for 3 Months)
Savings APY / AER	4.10% APY + Same-Day Transfers up to $100,000 to External Banks
Minimum Deposit	$0 Minimum Deposit
Foreign Transaction Fee	N/A (Savings Account)
Deposit Insurance	FDIC Insured up to $250,000 (Goldman Sachs Bank USA)
Mobile App Rating	4.9 / 5.0
Overall Rating	9.8 / 10

About Product

Annual / Monthly Fee: $0 Monthly Maintenance Fee
APR / APY Rate: 4.10% APY
Intro Offer / Bonus: Marcus Referral Boost (+0.25% Annualized Cash Bonus for 3 Months)
Key Benefits: 4.10% APY + Same-Day Transfers up to $100,000 to External Banks
Minimum Requirement: $0 Minimum Deposit
Foreign Transaction Fee: N/A (Savings Account)
Protection: FDIC Insured up to $250,000 (Goldman Sachs Bank USA)

Pros

Rate / APR / APY: 4.10% APY
Fee Structure: $0 Monthly Maintenance Fee
Welcome Offer / Benefit: Marcus Referral Boost (+0.25% Annualized Cash Bonus for 3 Months)
Rewards & Highlights: 4.10% APY + Same-Day Transfers up to $100,000 to External Banks

Cons