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Description

Marcus by Goldman Sachs offers personal finance tools to help you save, borrow, and invest. Grow your money with a high-yield Online Savings Account, high-yield CDs and No-Penalty CDs. Pay down high-interest debt with a no-fee personal loan. Automate your investing with Marcus Invest. And you can connect thousands of financial institutions to Marcus Insights -- free tools and trackers that help you organize and optimize your finances. Whether you choose to use all our personal finance products or just one, we’re here to help you make the most of your money.

GROW AND MANAGE YOUR SAVINGS
Grow your money on the go with our high-yield Online Savings Account and Certificates of Deposit.
-Earn a competitive rate on our Online Savings Accounts, No-Penalty CDs and high-yield CDs
-No minimum deposit to open an Online Savings Account
-FDIC-Insured

AUTOMATE YOUR INVESTING
Marcus Invest helps take on some of the work of investing. Our managed portfolios of ETFs are designed to keep costs low and optimized to help balance risk and returns. Plus, you can customize your investing approach by selecting one of our Goldman Sachs investment strategies.
-Get a managed portfolio recommended for your risk level and investment goals
-Portfolios built to include low-cost ETFs that have been vetted by Goldman Sachs professionals
-Open your investment or retirement account with as little as $1,000

OPTIMIZE YOUR FINANCES WITH HELP FROM MARCUS INSIGHTS
Our free smart tools and trackers are designed to help you see your money clearly and make empowered financial decisions. Marcus Insights is 100% free to use and easy to set up, even if you’re not already a Marcus customer.
-Link external accounts to see and track your finances in one place
-Explore your spending breakdown by category
-Visualize your cash flow

CONSOLIDATE DEBT WITH NO FEES
Marcus personal loans have no sign-up fees, no prepayment fees and you can customize your monthly payment.
-See your loan options in as little as 5 minutes
-Loans between $3,500 and $40,000
-Fixed rates between 6.99% and 19.99% APR

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 and deposit products are provided by Goldman Sachs Bank USA, Salt Lake City Branch.

© 2021 Goldman Sachs Bank USA. All rights reserved. Member FDIC. Equal opportunity lender.

Brokerage and investment advisory services offered by Marcus Invest are provided by GS&Co., which is an SEC registered broker-dealer and investment adviser, and member FINRA/SIPC. Research our firm at FINRA's BrokerCheck (https://brokercheck.finra.org/). Custody and clearing services are provided by Apex Clearing Corporation, a registered broker-dealer and member FINRA/SIPC. Please consider your objectives before investing. Any information provided prior to opening a Marcus Invest account is on the basis that it will not constitute investment advice and that GS&Co. is not a fiduciary to any person by reason of providing such information. For more information about Marcus Invest offerings, visit our Full Disclosures (https://www.marcus.com/us/en/disclosure/invest-disclosures).

Investment products are:
NOT FDIC INSURED ∙ NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA ∙ SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

© 2021 The Goldman Sachs Group, Inc. All rights reserved.

What’s New

Version 1.5.1

Introducing Marcus Invest, an easy way to automate your investing.

Marcus Invest offers managed portfolios designed to help you reach your investing goals. Backed by over 150 years of Goldman Sachs financial expertise, our portfolios are designed to keep costs low and optimized to help balance risk and returns through markets ups and downs. Get started today with as little as $1,000. Marcus Invest is offered by GS&Co.

Ratings and Reviews

4.9 out of 5
50.6K Ratings

50.6K Ratings

Marcus App Review ,

Good App. Touch ID / Face ID Issue (FIXED 5/1/20)

It’s a good app. Only one issue about Touch ID/Face ID. I just spoke to Marcus customer service, after you log in, do not log out. If you do log out, next time you open the app, you have to log in manually again (enter your email & password, very annoying). Just close the app and after 3 - 5 minutes later, it will log you out. Next time you open the app, you will see a Touch ID/ Face ID prompt. Not sure why Marcus set it up this way. Other banking apps, you log out. Hopefully Marcus will fix this. I feel more secure if I can log out after using the app. Also, not sure why Marcus is making us create a 4 digit pin/passcode. We don’t need it for online, however we need it for the app login? Just make it simple like other banking apps, allow us to log out/sign out, allow us to log in using Touch ID/Face after logging out, and please get rid of the passcode.

UPDATE 5/1/20: Logging out/Touch ID/Face ID issues are fixed. Now it’s perfect. Thank you developers!

Zvaeyr ,

Straightforward, Outside US issue.

The clean, straightforward design is a welcome change from other banking apps that can look a bit bloated. The layout puts the most important everyday things within a couple taps.

The overall bank products themselves are actually quite great. High interest rates on Savings and CD’s are a highlight, especially in a low interest rate environment. The ACH capabilities are also phenomenal: $100k max same day, $125k max online, and unlimited if you call — the latter two are done by the next business day. You also get free wire transfers with a $10k limit if done online.

My only complaint, though quite serious, is the inability to log in while outside the US and/or with a VPN. The block is sporadic, with some IPs able to get through (from VPN and overseas alike), but there is definitely a deliberate attempt to prevent logging in from anything remotely resembling a potential foreign log in, both online and in-app. Not only is this terribly inconvenient for someone who travels (even infrequently), but it’s also troubling that blocking potential foreign IPs is the chosen security precaution rather than more concrete methods (two factor auth, travel notice, etc) that most other banks use.

All in all, Marcus is still a great banking experience, made better by this app and its growing list of features.

Developer Response ,

Thank you for your review. At this time, if you are not located in the United States, some features of our app may not be available. Please visit marcus.com/contact to get in touch.

Dave19781978 ,

Banking App with lots of Promise

It’s about as basic of a banking app as it gets, which I like. My favorite part is the greeting with some inspirational quote that makes you feel like you’re a millionaire when you’ve only got a balance of $5.00. The financial wellness part has a lot of promise, but it needs the ability to actually itemize and add separately whatever extra income or expenses can’t be tracked by the account merging as opposed to adding them manually and not knowing what income or expense you’re adding. It also needs to show a negative income number to demonstrate your deficit if it exists to help you better understand how much you’re overspending rather than going to zero net income if you are indeed overspending.

Developer Response ,

Thank you for your review. Let us know how else we can help. Please visit marcus.com/contact to get in contact.

App Privacy

The developer, Goldman Sachs, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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