Marcus by Goldman Sachs vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
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
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.2 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 $913/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 4.8 (vs. 2.4) and Android app rated 4.2 (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.
Executive Summary
Pibank offers a competitive savings option with its Pibank Savings account, featuring a high APY of 4.60%. This account stands out for its simplicity, requiring no direct deposit and no maintenance fees, making it accessible for all users. In contrast, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a lower APY of 3.65%. While Marcus boasts a well-rated mobile app experience, Pibank's higher yield makes it the more attractive choice for savers. Both accounts are online-only and require no minimum deposit, but Pibank's account offers better returns, especially as deposit amounts increase.
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.
| Feature | Marcus by Goldman Sachs | Pibank |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.60% Verified: 12/6/2025 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 | iOS4.8 Android4.2 | iOS2.4 Android1.7 |
| BBB Rating | A+ | A |
| Next Steps |
Savings Comparison
Pibank earns $616.1 more than Marcus by Goldman Sachs.
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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 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) | -2.3 | -0.0 |
Days Since Change | 192 | 295 |
10-Month High | 3.90% | 4.60% |
10-Month Low | 3.65% | 4.60% |
Adjustments / Mo | 0.20 | 0.00 |
Volatility Score | 0.023 | 0.000 |
How to read these metrics(Click to expand)
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