Barclays vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 17, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Comparison Analysis
Comparing Barclays vs. Marcus by Goldman Sachs
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Barclays pays $20 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Marcus by Goldman Sachs pays $365 - an APY advantage for Barclays.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
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.
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%. In contrast, Marcus by Goldman Sachs provides an Online Savings Account with a slightly lower APY of 3.65%. Both accounts are online-only and do not require direct deposit. For those with significant savings, Barclays's Tiered Savings account is the superior option, providing better returns compared to Marcus's offering.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
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.
Top Market Contenders
See who beats both Barclays and Marcus by Goldman Sachs.
| Feature | Barclays | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/17/2025 ↘︎ 0.10%90d Change | 3.65% Verified: 12/17/2025 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.9 Android4.6 |
| 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 |
📈 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) | -2.6 | -4.3 | -2.3 |
Days Since Change | 22 | 29 | 204 |
11-Month High | 3.90% | 4.50% | 3.90% |
11-Month Low | 3.60% | 4.00% | 3.65% |
Adjustments / Mo | 0.46 | 0.65 | 0.19 |
Volatility Score | 0.025 | 0.036 | 0.025 |
How to read these metrics(Click to expand)
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