GO2bank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing GO2bank vs. Marcus by Goldman Sachs
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.65%) on balances up to $5,000 (requires checking bundle)
- ✓Higher rated Android app (4.5 vs 4.2)
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
— 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 $225/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $913 vs $225/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 $140 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive 4.50% APY, but it requires a GO2bank checking account to open and is capped at $5,000 for the highest rate. In contrast, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a lower APY of 3.65%, but it has no such restrictions, maintenance fees, or deposit caps. Both accounts are online-only and do not require direct deposit. Overall, while GO2bank has a higher APY, the restrictions may make Marcus a more flexible option for savers.
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.
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See who beats both GO2bank and Marcus by Goldman Sachs.
| Feature | GO2bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.50% 0Verified: 12/6/2025 Stable (90d) | 3.65% Verified: 12/6/2025 Stable (90d) |
| Product Name | High Yield Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.5 | iOS4.8 Android4.2 |
| BBB Rating | Not Rated | A+ |
| Important Notes | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | - |
| Next Steps |
Savings Comparison
Marcus by Goldman Sachs earns $978.8 more than GO2bank.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | Marcus by Goldman Sachs |
|---|---|---|
| High Yield Savings | Marcus Online Savings Account | |
Current APY | 4.50% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 |
Days Since Change | 121 | 121 |
4-Month High | 4.50% | 3.65% |
4-Month Low | 4.50% | 3.65% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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