Barclays vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: June 13, 2025
Summary of Barclays vs. Marcus by Goldman Sachs
As of June 13, 2025 Barclays offers an APY of 4.20% for its Tiered Savings account, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account account.
Barclays yields $55 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Barclays pays $420, 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 4.20% for balances over $250,000.
- Barclays has a BBB rating of A+ and is BBB Accredited.
- Barclays has a higher App Store rating of 4.8 compared to Marcus.
Potential Drawbacks
- Barclays' APY decreased from 4.30% to 4.20% in the last 30 days.
- Barclays requires a minimum balance of $250,000 to earn the highest APY.
- Barclays offers no branches for in-person banking.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has no minimum balance requirement for its savings account.
- Marcus offers a maintenance fee of $0, making it cost-effective.
- Marcus has a Google Play rating of 4.2.
Potential Drawbacks
- Marcus' APY is lower at 3.65% compared to Barclays' 4.20%.
- Marcus' APY decreased from 3.75% to 3.65% in the last 30 days.
- Marcus has no branches for in-person banking.
Summary: Barclays offers a higher APY of 4.20% for its Tiered Savings account, but requires a $250,000 minimum balance. In contrast, Marcus by Goldman Sachs has a lower APY of 3.65% with no minimum balance requirement. Both banks lack physical branches and have an A+ BBB rating. Barclays has a slight edge in App Store ratings, while Marcus offers a more accessible savings option without balance constraints.
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 | 4.00% - 4.20% (as of 6/13/2025) | 3.70% (as of 6/13/2025) | 3.65% (as of 6/13/2025) | |
| 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 4.20% APY is only available for balances over $250,000. For lower balances, the APY is 4.00%. | N/A | N/A | |
| Visit Bank | Tiered Savings | Online Savings | Marcus Online Savings Account | |
| App Store Rating | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.7/5 | 4.2/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 5 Months)
| Barclays | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Marcus Online Savings Account |
| Latest APY | 3.70 % | 4.20 % | 3.65 % | |
| Trend | Sideways | Falling | Falling | |
| Slope (bps/mo) | -3.7 | -6.9 | -6.3 | |
| Rate Changes / Mo | 0.86 | 1.08 | 0.43 | |
| Days Since Last Change | 6 | 6 | 19 | |
| High (-5 m) | 3.90 % | 4.50 % | 3.90 % | |
| Low (-5 m) | 3.70 % | 4.20 % | 3.65 % | |
| Draw-down from High | -5.1 % | -6.7 % | -6.4 % | |
| Volatility (CV) | 0.015 | 0.022 | 0.024 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 139 days.
- Low (-5 m)
- Lowest APY in the last 139 days.
- Draw-down from High
- How far today sits below the 5-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
All calculations are based on APY.
Barclays
APY: 4.20%
Total savings breakdown:
- Interest earned: $42 (4.03%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (95.97%)
Your total balance
$1,042.00
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $1,042
Earnings: $42
Bank DetailsMarcus by Goldman Sachs
APY: 3.65%
Total savings breakdown:
- Interest earned: $36.5 (3.52%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.48%)
Your total balance
$1,036.50
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $1,036.5
Earnings: $36.5
Bank DetailsAfter 1 year Barclays would earn you $5.5 more than Marcus by Goldman Sachs.
More Comparisons
Compare Barclays' APY of 4.20% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.60% | $0 |
| Barclays vs American Express | 3.60% | $0 |
| Barclays vs Axos Bank | 4.66% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs Capital One | 3.60% | $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 | 3.60% | $0 |
| Barclays vs Fitness Bank | 5.00% | $100 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Marcus by Goldman Sachs vs Ally Bank | 3.60% | $0 |
| Marcus by Goldman Sachs vs American Express | 3.60% | $0 |
| Marcus by Goldman Sachs vs Axos Bank | 4.66% | $0 |
| Marcus by Goldman Sachs vs Bank of America | 0.01% | $100 |
| Marcus by Goldman Sachs vs Capital One | 3.60% | $0 |
| Marcus by Goldman Sachs vs Chase Bank | 0.01% | $0 |
| Marcus by Goldman Sachs vs Chime | 3.75% | $0 |
| Marcus by Goldman Sachs vs CIT Bank | 4.00% | $100 |
| Marcus by Goldman Sachs vs Discover Bank | 3.60% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 5.00% | $100 |
| Marcus by Goldman Sachs vs SoFi Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Synchrony Bank | 3.80% | $0 |