Barclays vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: August 1, 2025
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Summary of Barclays vs. Marcus by Goldman Sachs
As of August 1, 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 $25 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), 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 an A+ BBB rating and is BBB Accredited.
- Barclays has a higher App Store rating of 4.8 compared to Marcus.
Potential Drawbacks
- Barclays requires a minimum balance of $250,000 for the highest APY.
- Barclays has no branches, which may limit customer service options.
- Barclays has a lower Google Play rating of 4.7 compared to Marcus.
Marcus by Goldman Sachs
Strengths
- Marcus has no minimum balance requirement for its savings account.
- Marcus has a solid Google Play rating of 4.1.
- Marcus has a competitive APY of 3.65% with no fees.
Potential Drawbacks
- Marcus offers a lower APY of 3.65% compared to Barclays' highest rate.
- Marcus lacks BBB Accreditation despite an A+ rating.
- Marcus has a lower App Store rating of 4.8 compared to Barclays.
Summary: Barclays offers a higher APY of 4.10% for large balances, while Marcus provides a competitive 3.65% with no minimum balance. Both banks have an A+ BBB rating, but Barclays is BBB Accredited. Barclays also has a higher App Store rating, although Marcus excels with no minimum balance requirement. Both banks are online-only with no maintenance fees.
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 8/1/2025) | 3.70% (as of 8/1/2025) | 3.65% (as of 8/1/2025) | |
| 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%. | |||
| App Store Rating | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.7/5 | 4.1/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 6 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) | -4.3 | -7.4 | -5.2 | |
| Rate Changes / Mo | 0.64 | 0.96 | 0.32 | |
| Days Since Last Change | 54 | 46 | 67 | |
| High (-6 m) | 3.90 % | 4.50 % | 3.90 % | |
| Low (-6 m) | 3.70 % | 4.10 % | 3.65 % | |
| Draw-down from High | -5.1 % | -8.9 % | -6.4 % | |
| Volatility (CV) | 0.022 | 0.032 | 0.027 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 187 days.
- Low (-6 m)
- Lowest APY in the last 187 days.
- Draw-down from High
- How far today sits below the 6-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%
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Effective APY: 3.90% (based on your deposit and contributions)
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewMarcus by Goldman Sachs
APY: 3.65%
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $160.5 higher than Marcus by Goldman Sachs's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
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 | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs Capital One | 3.50% | $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 | 3.50% | $0 |
| Barclays vs Fitness Bank | 4.85% | $100 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs UFB Direct | 4.21% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
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 | 3.50% | $0 |
| Marcus by Goldman Sachs vs Axos Bank | 4.46% | $0 |
| Marcus by Goldman Sachs vs Bank of America | 0.01% | $100 |
| Marcus by Goldman Sachs vs Capital One | 3.50% | $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 | 3.50% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 4.85% | $100 |
| Marcus by Goldman Sachs vs Presidential Bank | 4.50% | $5,000 |
| 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 UFB Direct | 4.21% | $5000 |
| Marcus by Goldman Sachs vs Varo Bank | 5.00% | $0 |
| Marcus by Goldman Sachs vs Wells Fargo | 2.51% | $25 |