Barclays vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: September 18, 2025
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Summary of Barclays vs. Marcus by Goldman Sachs
As of September 18, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Barclays yields $25 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Marcus by Goldman Sachs pays $365 - an APY advantage for Barclays.
In addition, Barclays also offers 3.70% APY for the Online Savings account.
Barclays
Strengths
- Barclays offers a higher APY of 4.10% for balances over $250,000.
- Barclays has a better Google Play rating of 4.7 compared to 4.1.
- Barclays has no maintenance fees on all accounts.
Potential Drawbacks
- Barclays requires a $250,000 minimum balance to earn the highest APY.
- Barclays has no physical branches available.
- Barclays' lower APY is 3.90%, which is higher than Marcus' APY.
Marcus by Goldman Sachs
Strengths
- Marcus offers a straightforward APY of 3.65% with no minimum balance.
- Marcus has no direct deposit requirement for its savings account.
- Marcus has a high App Store rating of 4.8.
Potential Drawbacks
- Marcus' APY of 3.65% is lower than Barclays' best rate.
- Marcus has a lower Google Play rating of 4.1.
- Marcus does not offer a tiered savings account option.
Compare Barclays' vs Marcus by Goldman Sachs' Savings Accounts
| Barclays | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Marcus Online Savings Account |
| APY | 3.90% - 4.10% (as of 9/18/2025) | 3.70% (as of 9/18/2025) | 3.65% (as of 9/18/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.7/5 | 4.1/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Barclays | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Marcus Online Savings Account |
| Latest APY | 3.70 % | 4.10 % | 3.65 % | |
| Trend | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -3.6 | -6.1 | -4.0 | |
| Rate Changes / Mo | 0.52 | 0.77 | 0.26 | |
| Days Since Last Change | 100 | 92 | 113 | |
| High (-8 m) | 3.90 % | 4.50 % | 3.90 % | |
| Low (-8 m) | 3.70 % | 4.10 % | 3.65 % | |
| Draw-down from High | -5.1 % | -8.9 % | -6.4 % | |
| Volatility (CV) | 0.023 | 0.034 | 0.027 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 233 days.
- Low (-8 m)
- Lowest APY in the last 233 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Barclays vs Marcus by Goldman Sachs
Barclays
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewMarcus by Goldman Sachs
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $160.5 higher than Marcus by Goldman Sachs's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $0 |
| Barclays vs American Express | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs BrioDirect | 4.30% | $5,000 |
| Barclays vs Capital One | 3.50% | $0 |
| Barclays vs Chase Bank | 0.01% | $0 |
| Barclays vs Chime | 3.75% | $0 |
| Barclays vs CIT Bank | 4.00% | $100 |
| Barclays vs Discover Bank | 3.50% | $0 |
| Barclays vs Elevault | 4.60% | $0 |
| Barclays vs EverBank | 4.30% | $0 |
| Barclays vs Fitness Bank | 4.75% | $100 |
| Barclays vs FVCbank | 4.35% | $500 |
| Barclays vs GO2bank | 4.50% | $0 |
| Barclays vs Neighbors Bank | 4.60% | $0 |
| Barclays vs Newtek Bank | 4.35% | $0 |
| Barclays vs Peak Bank | 4.35% | $100 |
| Barclays vs Pibank | 4.60% | $0 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs Santander Bank | 0.03% | $25 |
| Barclays vs SoFi Bank | 4.50% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs TIMBR | 4.40% | $1,000 |
| Barclays vs UFB Direct | 4.10% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
| Barclays vs Zynlo Bank | 4.35% | $10 |