Barclays vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 2, 2025
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Summary of Barclays vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Barclays | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $250,000 | $0 |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. |
Barclays
Strengths
- Barclays offers a higher APY of 4.10% for balances over $250,000.
- Barclays has a better Google Play rating of 4.7 compared to Marcus's 4.1.
- Barclays is BBB Accredited with an A+ rating.
Potential Drawbacks
- Barclays requires a minimum balance of $250,000 to earn the highest APY.
- Barclays has no physical branches, being online-only.
Marcus by Goldman Sachs
Strengths
- Marcus has no minimum balance requirement for its savings account.
- Marcus has a higher App Store rating of 4.8, equal to Barclays.
Potential Drawbacks
- Marcus offers a lower APY of 3.65% compared to Barclays's 4.10%.
- Marcus has a lower Google Play rating of 4.1 compared to Barclays's 4.7.
→ As of November 2, 2025 Barclays offers an APY of 4.10% 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 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.
Calculate Savings Growth for Barclays vs Marcus by Goldman Sachs
Barclays - Tiered Savings
⚠️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
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewMarcus by Goldman Sachs - Marcus Online Savings Account
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
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.
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 11/2/2025) | 3.70% (as of 11/2/2025) | 3.65% (as of 11/2/2025) | |
| 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 9 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 | Sideways | Sideways | |
| Slope (bps/mo) | -2.8 | -4.8 | -3.1 | |
| Rate Changes / Mo | 0.43 | 0.65 | 0.22 | |
| Days Since Last Change | 145 | 137 | 158 | |
| High (-9 m) | 3.90 % | 4.50 % | 3.90 % | |
| Low (-9 m) | 3.70 % | 4.10 % | 3.65 % | |
| Draw-down from High | -5.1 % | -8.9 % | -6.4 % | |
| Volatility (CV) | 0.023 | 0.034 | 0.026 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 278 days.
- Low (-9 m)
- Lowest APY in the last 278 days.
- Draw-down from High
- How far today sits below the 9-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.