Barclays vs. Marcus by Goldman Sachs
Barclays edges out Marcus by Goldman Sachs slightly at 3.85% vs 3.65% APY. On a $10,000 balance, the difference is just $5 per year—so other factors may matter more.
| Metric | BarclaysTiered Savings Mar 24, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 24, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 3.65% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | - |
| 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 3.85% APY for balances over $250,000, while lower balances earn 3.70%. In comparison, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a 3.65% APY, available for any balance, and no direct deposit requirement. Both accounts are online-only and have no maintenance fees. Overall, Barclays is the winner with its higher APY for larger deposits.
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 (3.85% vs 3.65%) on all balances
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $5 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
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Barclays vs. Marcus by Goldman Sachs Savings Calculator
You earn $5 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+$370.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,370.00
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 | 3.85% Range: 3.70% - 3.85% Verified: 3/24/2026 ↘︎ 0.15%90d Change | 3.65% Verified: 3/24/2026 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 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | - |
| 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 | |
|---|---|---|---|
| Tiered Savings | Online Savings | Marcus Online Savings Account | |
Current APY | 3.85% | 3.50% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.6 | -0.7 |
Days Since Change | 32 | 32 | 300 |
12-Month High | 4.40% | 3.90% | 3.90% |
12-Month Low | 3.85% | 3.50% | 3.65% |
Adjustments / Mo | 0.58 | 0.49 | 0.16 |
Volatility Score | 0.033 | 0.026 | 0.011 |
How to read these metrics(Click to expand)
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