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
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 (https://www.finra.org) & SIPC (https://www.sipc.org). 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.
Our latest release includes minor bug fixes and performance improvements.
We’re always working to make the Marcus app better for you.
Enjoying the Marcus app? We’d love to hear about it! Please consider leaving us a rating or review.
Ratings and Reviews
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!
Please bring the monthly line graph back!
I switched over to Marcus because I used Clarity and loved it. It’s basically the same app with some extra features but Marcus has some differences graphics wise that make it not as useful as clarity. The monthly spending graphic used to have a line graph where you saw the trajectory of your spending for the month based off your current spending rate. Please bring the line graph back!! The pie chart is the same as every other money tracking app I’ve used, in fact this one is worse because it’s not even different colors to see a quick representation of what you spend each month, it’s just different shades of each color which is a cool gradient but not practical. If they fix both of these, I’ll be happy to use it. If not, I’ll try and find something else or just make my own line graph.
Developer Response ,
We truly love hearing feedback like this. If you have anything else to share, please let us know.
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.
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Goldman Sachs
- 143.1 MB
- Requires iOS 13.0 or later.
- Requires iPadOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Age Rating
- © Goldman Sachs International Bank. All rights reserved.
With Family Sharing set up, up to six family members can use this app.