Betterment vs. Marcus by Goldman Sachs
Comparing Betterment and Marcus by Goldman Sachs for high-yield savings: Betterment's Cash Reserve pays 3.25% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $40 more than Betterment annually ($365 vs $325).
Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | BettermentCash Reserve Feb 6, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Feb 6, 2026 |
|---|---|---|
| APY | 3.25% | 3.65% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $10 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRate 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 Betterment vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive 3.65% APY through its Marcus Online Savings Account, making it the superior option compared to Betterment's Cash Reserve, which provides a 3.25% APY. Both accounts have no minimum balance requirements, maintenance fees, or direct deposit requirements, and are available online only. For those seeking the highest yield, Marcus is the clear winner. Betterment's account is a viable alternative, especially for those looking to start with a minimum deposit of just $10.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Betterment?
No distinct advantages found vs Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.25%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $325/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $813/yr).
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, Marcus by Goldman Sachs's Marcus Online Savings Account pays $40 more interest on a $10,000 balance than Betterment's Cash Reserve.
*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
Top Market Contenders
Betterment vs. Marcus by Goldman Sachs Savings Calculator
You earn $40 more with Marcus by Goldman Sachs than Betterment 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.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
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 $324 per year in interest.
Both Betterment and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Betterment | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.25% Verified: 2/6/2026 ↘︎ 0.25%90d Change | 3.65% Verified: 2/6/2026 Stable (90d) |
| Product Name | Cash Reserve | Marcus Online Savings Account |
| Minimum Deposit | $10 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | N/A | 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 | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Betterment 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 | Betterment | Marcus by Goldman Sachs |
|---|---|---|
| Cash Reserve | Marcus Online Savings Account | |
Current APY | 3.25% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.3 | -1.8 |
Days Since Change | 55 | 254 |
12-Month High | 4.00% | 3.90% |
12-Month Low | 3.25% | 3.65% |
Adjustments / Mo | 0.25 | 0.16 |
Volatility Score | 0.081 | 0.022 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Betterment's APY of 3.25% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Betterment vs Ally Bank | 3.30% | $0 |
| Betterment vs American Express | 3.30% | $0 |
| Betterment vs Axos Bank | 4.21% | $0 |
| Betterment vs Bank of America | 0.01% | $100 |
| Betterment vs Barclays | 4.00% | $0 |
| Betterment vs Capital One | 3.30% | $0 |
| Betterment vs Chase Bank | 0.01% | $0 |
| Betterment vs Chime | 3.00% | $0 |
| Betterment vs CIT Bank | 3.75% | $100 |
| Betterment vs Citibank | 3.20% | $0 |
| Betterment vs Discover Bank | 3.30% | $0 |
| Betterment vs EverBank | 3.90% | $0 |
| Betterment vs Newtek Bank | 4.20% | $0.01 |
| Betterment vs Openbank | 4.09% | $500 |
| Betterment vs Pibank | 4.60% | $0 |
| Betterment vs SoFi Bank | 4.00% | $0 |
| Betterment vs Synchrony Bank | 3.50% | $0 |
| Betterment vs Varo Bank | 5.00% | $0 |
| Betterment vs Wealthfront | 3.95% | $0 |
| Betterment vs Wells Fargo | 0.05% | $25 |