Marcus by Goldman Sachs®

Goldman Sachs

About this app

Marcus by Goldman Sachs offers financial products to help you make the most of your money.

GROW AND MANAGE YOUR SAVINGS
Earn competitive rates on Online Savings Accounts, High-Yield CDs, No-Penalty CDs and Rate Bump CDs
-Open accounts and add funds in a few taps
-Manage accounts, check balances and schedule transfers on the go
-Check current rates any time
-Use calculators to predict growth
-No minimum deposit to open an Online Savings Account
-FDIC-insured

EARN REWARDS TOWARD A NEW ELIGIBLE GM VEHICLE
With a GM Rewards Card, you can earn toward a GM vehicle.
-Earn on your everyday purchases

Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC (“GS&Co.”), which are subsidiaries of The Goldman Sachs Group, Inc.

All loans, deposit products, and credit cards are provided or issued by Goldman Sachs Bank USA, Salt Lake City Branch.

© 2025 Goldman Sachs Bank USA. All rights reserved. Member FDIC. Equal opportunity lender.

Goldman Sachs Bank USA, Salt Lake City Branch, is the issuer of the GM Rewards Cards. GM is solely responsible for the operation and administration of the Earnings program and points program. For more details, including redemption options, go to mygmrewardscard.com.

© 2025 The Goldman Sachs Group, Inc. All rights reserved.

Ratings and reviews

I called in to the 24 hr number after running into difficulties opening a second account. Then the (foreign) call center employee tried to get me to give him credit card information for a one time processing fee that wasn't listed anywhere on their website. It sounded sketchy, he kept repeating that it was a new one time fee that started in July, so I asked to speak to a manager to find out where it was listed and got put on hold for more than 2 hours. Felt like they're outsourcing to scammers.

So, as it turns out, even if you make a transfer from your checking account into your Marcus savings account, they will put a 5 day hold on what is already YOUR money. Sadly, even to the point, they will bounce a transaction or bill even though it's there and has been removed from your other account. There is no reason for a hold on the accounts that you've already spent days jumping through hoops to legitimize and have proven your own. I can even understand if it was something new.

My biggest gripe is the constant log outs. What's the point of biometric sign in if it only lasts a week? I'd like to see the pending transactions reflect my available credit instantly at login (or current balance accounting for pending), but they only show your balance accounting for final payments. Which is important, but there's enough screen real estate to show both. Also, having to expand the displayed transactions multiple times to see most of them. And the app is slow.

What’s new

It’s time for an upgrade! Meet our new Marcus app.

• Streamlined design
We've refreshed the app's look and feel to create a lighter and more user friendly experience

• At your fingertips
See your balances, transactions and other details, organised for quick access

• Navigate with ease
We’ve made it easier to manage your accounts and find what you need

© Goldman Sachs International Bank. All rights reserved.