Marcus by Goldman Sachs vs. Pibank
Comparing Marcus by Goldman Sachs and Pibank for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while Pibank's Pibank Savings pays 4.60% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $95 more than Marcus by Goldman Sachs annually ($460 vs $365).
Choose Marcus by Goldman Sachs if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 2026 | PibankPibank Savings Mar 7, 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 AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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
Executive Summary
Pibank offers a Pibank Savings account with a competitive APY of 4.60%, making it the standout choice compared to Marcus by Goldman Sachs, which provides a Marcus Online Savings Account with an APY of 3.65%. Both accounts require no minimum deposit and have no maintenance fees, but Pibank's higher rate is particularly beneficial for both small and larger deposits. Additionally, both banks operate online only, ensuring ease of access, and neither requires direct deposit. For those seeking simplicity and better returns, Pibank is the preferable option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 2.2)
- ✓Higher rated Android app (4.9 vs 1.6)
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. 2.2) and Android app rated 4.9 (vs. 1.6)
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.
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Marcus by Goldman Sachs and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | Pibank |
|---|---|---|
| APY | 3.65% Verified: 3/7/2026 Stable (90d) | 4.60% Verified: 3/7/2026 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -1.1 | 0.0 |
Days Since Change | 283 | 365 |
12-Month High | 3.90% | 4.60% |
12-Month Low | 3.65% | 4.60% |
Adjustments / Mo | 0.16 | 0.00 |
Volatility Score | 0.016 | 0.000 |
How to read these metrics(Click to expand)
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