Marcus by Goldman Sachs vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.65% | 4.60% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo Minimums |
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 Marcus by Goldman Sachs vs. Pibank
As of Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $95 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Pibank pays $460 - an APY advantage for Pibank.
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 2.3)
- ✓Higher rated Android app (4.9 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $365/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $912/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 2.3) and Android app rated 4.9 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $95 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 as of
Pibank offers a higher APY of 4.60% on its Pibank Savings account, making it the winner compared to Marcus by Goldman Sachs, which provides a 3.65% APY on its Marcus Online Savings Account. Both accounts are online-only, require no minimum deposit, and have no maintenance fees. Pibank's account is noted for better returns at various deposit levels, along with its simplicity, as it has no direct deposit requirements or caps. In contrast, Marcus is recognized for its excellent mobile app experience, featuring high ratings on both iOS and Android platforms.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Marcus by Goldman Sachs vs. Pibank Savings Calculator
You earn $95 more with Pibank 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.
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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Pibank |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | Marcus Online Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| 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 Android4.9 | iOS2.3 Android1.7 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Pibank |
|---|---|---|
| Marcus Online Savings Account | Pibank Savings | |
Current APY | 3.65% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.7 | 0.0 |
Days Since Change | 238 | 341 |
11-Month High | 3.90% | 4.60% |
11-Month Low | 3.65% | 4.60% |
Adjustments / Mo | 0.18 | 0.00 |
Volatility Score | 0.021 | 0.000 |
How to read these metrics(Click to expand)
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