Marcus by Goldman Sachs — Free Service Overview
Marcus by Goldman Sachs is a free Banking & Payments service. Browse features, available discounts, and alternatives below.
Updated: May 2026
About Marcus by Goldman Sachs
Marcus by Goldman Sachs
Marcus by Goldman Sachs is operated by Goldman Sachs Bank USA (Marcus by Goldman Sachs), headquartered in New York, New York, United States (Subsidiary of The Goldman Sachs Group, Inc. (NYSE:GS)). The product launched in 2016 and is Goldman Sachs's consumer-banking brand. This 2026 review covers operator context, the current tier ladder, the feature set that matters for buyers and the live signals to watch before subscribing.
Quick facts
- Operator: Goldman Sachs Bank USA (Marcus by Goldman Sachs)
- Headquarters: New York, New York, United States
- Public-market status: Subsidiary of The Goldman Sachs Group, Inc. (NYSE:GS)
- Founded: 2016
- Category: Banking
- Current tiers: Marcus Online Savings / Marcus Certificates of Deposit / Marcus Personal Loans
- Anchor price (2026): high-yield APY
- Competitive set: competing with Ally Bank, SoFi and Capital One 360 in US high-yield savings
What is Marcus by Goldman Sachs?
Marcus by Goldman Sachs is Goldman Sachs's consumer-banking brand. The product is competing with Ally Bank, SoFi and Capital One 360 in US high-yield savings. Customers buy a tier that matches their usage profile — the entry tier handles high-yield online savings account, while the mid and premium tiers add depth such as no-fee personal loans and CDs with no-penalty options. Subscription billing happens through the operator's checkout or partner billing surfaces (App Store / Google Play / direct card on file).
Why choose Marcus by Goldman Sachs
Operator and market position
Goldman Sachs Bank USA (Marcus by Goldman Sachs) runs Marcus by Goldman Sachs from New York, New York, United States. Its public-market status (Subsidiary of The Goldman Sachs Group, Inc. (NYSE:GS)) and category position (competing with Ally Bank, SoFi and Capital One 360 in US high-yield savings) shape the credibility of the operator's roadmap and pricing decisions. Buyers should weigh that operator context alongside headline features — a well-capitalised parent typically translates into faster bug fixes, longer support cycles and more predictable price changes than a smaller indie operator.
Account ladder and fees
The Marcus by Goldman Sachs tier ladder runs Marcus Online Savings, Marcus Certificates of Deposit, Marcus Personal Loans. Anchor pricing in 2026 starts around high-yield APY for the entry tier and steps up by tier with named feature unlocks. Confirm the live regional price on the operator's site, then cross-check Subger's true-price tracker for Marcus by Goldman Sachs for the all-in renewal cost after taxes and FX conversion.
Apps, integrations and customer support
Apps and customer-experience surfaces matter as much as headline feature counts. Marcus by Goldman Sachs delivers its core workflow across the platform surfaces listed in the platform table below, with notifications and self-service flows handled in-app. The 2025-2026 differentiator to watch: Goldman wound down Marcus consumer-lending expansion and Marcus Invest in 2023-2024 to refocus on savings and HNW.
Marcus by Goldman Sachs features that matter in 2026
Current feature set that buyers should weigh:
- high-yield online savings account
- no-fee personal loans
- CDs with no-penalty options
- Marcus Invest robo-advisor (wound down 2024)
- FDIC insurance via Goldman Sachs Bank USA
- mobile and web account management
Feature availability varies by region and tier; the headline list above reflects the operator's positioning. Confirm specific regional availability on the operator's marketing pages before committing.
Marcus by Goldman Sachs pricing in 2026
The Marcus by Goldman Sachs tier ladder in 2026 looks like:
| Tier | Best for | Reference price (2026) |
|---|---|---|
| Marcus Online Savings | budget-conscious or entry users | high-yield APY |
| Marcus Certificates of Deposit | standard subscribers | term deposits |
| Marcus Personal Loans | premium / power users | fixed-rate consumer loans |
Headline prices step up across the ladder; promotional first-period anchors and regional FX can change the all-in cost. Subger's tools reconcile the list price with the actual renewal cost:
| Subger tool | What it shows |
|---|---|
| True-price tracker | List price changes plus historical promotional anchors |
| Deals page | Active discounts and limited-time offers |
| Promo codes | Stackable codes for new and existing subscribers |
| Cancel guide | Step-by-step termination by billing surface |
Marcus by Goldman Sachs apps and platform support
| Surface | Status |
|---|---|
| iOS / Android | Yes |
| Web account portal | Yes |
| Email and SMS notifications | Yes |
| In-app chat or hotline | Yes |
| Apple Wallet / Google Wallet | Where applicable |
| Customer-support email | Yes |
Surface availability can vary by region and tier; confirm current app availability and supported devices on the operator's site before subscribing.
Who Marcus by Goldman Sachs fits
Marcus by Goldman Sachs is most likely a good match for the following buyers:
- Us savers who want a goldman-backed high-yield online savings account — the core target audience for the product.
- Category-focused subscribers who specifically want high-yield online savings account from competing with Ally Bank, SoFi and Capital One 360 in US high-yield savings rather than a generalist platform.
- Tier-comparing households or teams evaluating the Marcus Online Savings → Marcus Personal Loans ladder and willing to pay up for Marcus Invest robo-advisor (wound down 2024).
- Cross-device users who need apps across the surfaces in the platform table above.
- Price-sensitive shoppers who want to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.
Frequently asked questions
Who runs Marcus by Goldman Sachs and where is it based?
Marcus by Goldman Sachs is run by Goldman Sachs Bank USA (Marcus by Goldman Sachs), headquartered in New York, New York, United States. The operator's public-market status is: Subsidiary of The Goldman Sachs Group, Inc. (NYSE:GS). The product was founded in 2016.
How much does Marcus by Goldman Sachs cost in 2026?
The 2026 tier ladder is Marcus Online Savings, Marcus Certificates of Deposit, Marcus Personal Loans, with anchor pricing starting around high-yield APY. Regional currency and promotional cycles can shift the all-in cost; Subger's true-price tracker reconciles the headline price with renewal reality.
Is there a free tier or free trial for Marcus by Goldman Sachs?
There is no perpetual free tier listed for the standard Marcus by Goldman Sachs subscription; the operator may run introductory trials periodically. Check the live signup page for current trial promotions.
Where is Marcus by Goldman Sachs available?
Availability follows the operator's licensing and service footprint from New York, New York, United States. Confirm regional availability on the official site before subscribing.
What 2025-2026 features set Marcus by Goldman Sachs apart right now?
The live differentiator to watch: Goldman wound down Marcus consumer-lending expansion and Marcus Invest in 2023-2024 to refocus on savings and HNW. Pair that with the headline features (high-yield online savings account, no-fee personal loans, CDs with no-penalty options) to judge whether the current roadmap fits your needs.
Which competitors should buyers compare Marcus by Goldman Sachs against?
Marcus by Goldman Sachs is most directly competing with Ally Bank, SoFi and Capital One 360 in US high-yield savings. Run a side-by-side feature and price comparison with those alternatives — Subger's category pages help with the shortlist.
How do I cancel Marcus by Goldman Sachs?
Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for Marcus by Goldman Sachs walks through each route step-by-step.
Does Marcus by Goldman Sachs offer a team or multi-seat plan?
Multi-user, household or seat structure depends on the tier. Higher tiers commonly add admin controls or extra streams; entry tiers can restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing.
How can I track price changes for Marcus by Goldman Sachs?
Subger's renewal tracker for Marcus by Goldman Sachs records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.
Get started with Marcus by Goldman Sachs
Confirm the current regional price on the Goldman Sachs Bank USA (Marcus by Goldman Sachs) signup page, choose the tier that matches your usage (Marcus Online Savings or Marcus Certificates of Deposit are the most common starting points), and check Subger's deals page for Marcus by Goldman Sachs for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.
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Subger is not affiliated with, endorsed by, or connected to Marcus by Goldman Sachs or its parent companies. All trademarks, service marks, and logos belong to their respective owners. Information on this page is provided for informational and comparison purposes only. Pricing and plan details are sourced from publicly available information and may not reflect current offerings — please verify with the official provider. If you are a representative of this service and believe any information is inaccurate, please contact us at info@subger.com.
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