Barclays vs. Marcus by Goldman Sachs
Comparing Barclays and Marcus by Goldman Sachs for high-yield savings: Barclays's Tiered Savings pays 4.00% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Barclays pays $20 more than Marcus by Goldman Sachs annually ($385 vs $365).
Choose Barclays if getting the best rate matters most.
| Metric | BarclaysTiered Savings Feb 17, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Feb 17, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.65% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Barclays vs. Marcus by Goldman Sachs
Executive Summary
Barclays offers a Tiered Savings account with a competitive APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. This account is online-only and does not require direct deposit. In comparison, Marcus by Goldman Sachs provides an Online Savings Account with a lower APY of 3.65%, also online-only and with no minimum balance or direct deposit requirement. Overall, Barclays's Tiered Savings account is the superior option for higher balances, offering better returns compared to Marcus.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.65%) on all balances
- ✓Offers 2 different high-yield savings options
Why Marcus by Goldman Sachs?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $365/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $912/yr).
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $20 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Marcus by Goldman Sachs Savings Calculator
You earn $20 more with Barclays than Marcus by Goldman Sachs 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.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Barclays and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 2/17/2026 Stable (90d) | 3.65% Verified: 2/17/2026 Stable (90d) |
| Product Name | Tiered Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays 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 | Barclays | Marcus by Goldman Sachs | |
|---|---|---|---|
| Online Savings | Tiered Savings | Marcus Online Savings Account | |
Current APY | 3.60% | 4.00% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.5 | -3.5 | -1.5 |
Days Since Change | 83 | 90 | 265 |
12-Month High | 3.90% | 4.50% | 3.90% |
12-Month Low | 3.60% | 4.00% | 3.65% |
Adjustments / Mo | 0.41 | 0.58 | 0.16 |
Volatility Score | 0.026 | 0.033 | 0.020 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Barclays vs...
Comparing against Standard Savings
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.