Barclays vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: June 20, 2025
Summary of Barclays vs. Marcus by Goldman Sachs
As of June 20, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account account.
Barclays yields $45 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Barclays pays $410, 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 higher App Store rating at 4.8 compared to Marcus's 4.8 but with a better Google Play rating of 4.7.
- Barclays is BBB Accredited with an A+ rating.
Potential Drawbacks
- Barclays's APY decreased from 4.20% to the current 4.10% in the last 30 days.
- The minimum balance for the highest APY at Barclays is $250,000.
Marcus by Goldman Sachs
Strengths
- Marcus offers a no-minimum balance requirement for its savings account.
- Marcus's APY is competitive at 3.65%, although lower than Barclays's highest APY.
Potential Drawbacks
- Marcus's APY decreased from 3.75% to the current 3.65% in the last 30 days.
- Marcus has a lower Google Play rating of 4.2 compared to Barclays's 4.7.
Summary: Barclays offers a higher APY of 4.10% for large balances, while Marcus provides a competitive APY of 3.65% without a minimum balance requirement. Both banks have an A+ BBB rating, but Barclays is BBB Accredited. Barclays's higher Google Play rating (4.7) contrasts with Marcus's lower rating (4.2). Both banks saw declines in their APYs over the last month.
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 6/20/2025) | 3.70% (as of 6/20/2025) | 3.65% (as of 6/20/2025) | |
| 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%. | 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 % | 4.10 % | 3.65 % | |
| Trend | Sideways | Falling | Falling | |
| Slope (bps/mo) | -4.1 | -7.1 | -6.3 | |
| Rate Changes / Mo | 0.83 | 1.25 | 0.42 | |
| Days Since Last Change | 11 | 3 | 24 | |
| High (-5 m) | 3.90 % | 4.50 % | 3.90 % | |
| Low (-5 m) | 3.70 % | 4.10 % | 3.65 % | |
| Draw-down from High | -5.1 % | -8.9 % | -6.4 % | |
| Volatility (CV) | 0.017 | 0.024 | 0.025 | |
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 144 days.
- Low (-5 m)
- Lowest APY in the last 144 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: 4.10%
Total savings breakdown:
- Interest earned: $41 (3.94%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.06%)
Your total balance
$1,041.00
Effective APY: 4.10% (based on your deposit and contributions)
Total balance: $1,041
Earnings: $41
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 $4.5 more than Marcus by Goldman Sachs.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $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 |
| Barclays vs Varo Bank | 5.00% | $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 | 3.50% | $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 |
| Marcus by Goldman Sachs vs Varo Bank | 5.00% | $0 |