Marcus By Goldman Sachs vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Marcus by Goldman Sachs vs. Vio Bank
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Vio Bank |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a higher App Store rating of 4.8.
- No minimum deposit required for the Marcus Online Savings Account.
Potential Drawbacks
- Marcus by Goldman Sachs offers a lower APY of 3.65% compared to Vio Bank.
- No branches available for Marcus by Goldman Sachs.
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21% for its Online Savings Account.
- Vio Bank is BBB Accredited, indicating higher trustworthiness.
Potential Drawbacks
- Vio Bank has a lower Google Play rating of 3.3.
- Requires a minimum deposit of $100 for the Online Savings Account.
→ As of November 12, 2025 Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account, with a minimum balance of $0, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Vio Bank yields $56 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Vio Bank pays $421 - an APY advantage for Vio Bank.
Calculate Savings Growth for Marcus by Goldman Sachs vs Vio Bank
Marcus by Goldman Sachs - Marcus Online Savings Account
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Marcus by Goldman Sachs's total earnings would be $361.1 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Marcus by Goldman Sachs' vs Vio Bank's Savings Accounts
| Marcus by Goldman Sachs | Vio Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Online Savings Account |
| APY | 3.65% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $100 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.6/5 | |
| Google Play Rating | 4.1/5 | 3.3/5 | |
| BBB Rating | A+ | A+ |
No historical data available.