Ally Bank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ally BankSavings Account Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.65% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Ally Bank vs. Marcus by Goldman Sachs
As of Ally Bank offers an APY of 3.30% for its Savings Account, with a minimum balance of $0, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Marcus by Goldman Sachs pays $35 more than Ally Bank on a $10,000 balance after one year. Ally Bank pays $330, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Why Ally Bank?
- ✓Fast transfers via Zelle® (up to $5,000 a day)
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.30%) on all balances
- ✓Higher rated Android app (4.9 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $330/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $825/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $35 more interest on a $10,000 balance than Ally Bank's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the higher-yield option compared to Ally Bank's Savings Account, which has an APY of 3.30%. Both accounts require no minimum deposit or balance and have no maintenance fees, but Marcus stands out with better returns at various deposit levels and a highly rated mobile app experience. Both accounts are online-only and do not require direct deposit, providing flexibility for users. For those seeking a straightforward savings account, Marcus by Goldman Sachs is the recommended choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ally Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $35 more with Marcus by Goldman Sachs than Ally Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ally Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.65% Verified: 1/21/2026 Stable (90d) |
| Product Name | Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.9 Android4.9 |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Marcus by Goldman Sachs |
|---|---|---|
| Savings Account | Marcus Online Savings Account | |
Current APY | 3.30% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -2.0 |
Days Since Change | 82 | 238 |
12-Month High | 3.80% | 3.90% |
12-Month Low | 3.30% | 3.65% |
Adjustments / Mo | 0.42 | 0.17 |
Volatility Score | 0.043 | 0.024 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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