Barclays vs. Marcus by Goldman Sachs
Comparing Barclays and Marcus by Goldman Sachs for high-yield savings: Barclays's Tiered Savings pays 3.75% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.50% 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 $15 more than Marcus by Goldman Sachs annually ($365 vs $350).
Choose Barclays if getting the best rate matters most.
| Metric | BarclaysTiered Savings May 8, 2026 | Marcus by Goldman SachsMarcus Online Savings Account May 8, 2026 |
|---|---|---|
| APY | 3.65% - 3.75% | 3.50% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| 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 4.10% APY.
Comparison Analysis
Comparing Barclays vs. Marcus by Goldman Sachs
Executive Summary
Barclays offers a Tiered Savings account with a competitive APY of 3.75% for balances over $250,000, making it the highest-yielding option compared to Marcus by Goldman Sachs, which provides a Marcus Online Savings Account with an APY of 3.50%. For those with lower balances, Barclays's account yields 3.65%, while Marcus does not have a tiered structure. Both accounts are online-only, require no direct deposit, and have no maintenance fees, providing accessible options for savers.
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 (3.40%-3.75% vs 3.50%) 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. $365 vs $350/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $912 vs $875/yr).
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $15 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 $15 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 $349 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 | 3.75% Range: 3.65% - 3.75% Verified: 5/8/2026 ↘︎ 0.25%90d Change | 3.50% Verified: 5/8/2026 ↘︎ 0.15%90d Change |
| 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 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| 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 | 3.40% | 3.75% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.4 | -3.5 | -0.6 |
Days Since Change | 2 | 23 | 17 |
12-Month High | 3.90% | 4.40% | 3.75% |
12-Month Low | 3.40% | 3.75% | 3.50% |
Adjustments / Mo | 0.49 | 0.58 | 0.16 |
Volatility Score | 0.022 | 0.032 | 0.011 |
How to read these metrics(Click to expand)
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