Marcus by Goldman Sachs vs. Vio Bank
Comparing Marcus by Goldman Sachs and Vio Bank for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while Vio Bank's Online Savings Account pays 4.03% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Vio Bank pays $38 more than Marcus by Goldman Sachs annually ($403 vs $365).
Choose Marcus by Goldman Sachs if you're an Android user, or choose Vio Bank if getting the best rate matters most.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 2026 | Vio BankOnline Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 3.65% | 4.03% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$202 $10,000+$403 $25,000+$1,008 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Vio Bank
Executive Summary
Vio Bank's Online Savings Account offers a competitive APY of 4.03%, making it the winner among the two banks. This account has no direct deposit requirement and allows for a minimum deposit of $100, with no maintenance fees if electronic statements are selected. In comparison, Marcus by Goldman Sachs provides a Marcus Online Savings Account with an APY of 3.65%, which is lower but still offers a $0 minimum deposit and no maintenance fees. Both accounts are online-only and FDIC insured, but Vio Bank stands out for its higher yield and simplicity.
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 Android app (4.9 vs 3.4)
Why Vio Bank?
- ✓Higher potential APY (4.03% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $403 vs $365/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1008 vs $912/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.03% 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. 4.6) and Android app rated 4.9 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $38 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
Top Market Contenders
Marcus by Goldman Sachs vs. Vio Bank Savings Calculator
You earn $38 more with Vio Bank 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$403.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,403.00
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 Vio Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | Vio Bank |
|---|---|---|
| APY | 3.65% Verified: 2/21/2026 Stable (90d) | 4.03% Verified: 2/21/2026 ↘︎ 0.13%90d Change |
| Product Name | Marcus Online Savings Account | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Vio Bank |
|---|---|---|
| Marcus Online Savings Account | Online Savings Account | |
Current APY | 3.65% | 4.03% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -6.2 |
Days Since Change | 100 | 8 |
3-Month High | 3.65% | 4.21% |
3-Month Low | 3.65% | 4.02% |
Adjustments / Mo | 0.00 | 1.20 |
Volatility Score | 0.000 | 0.016 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare Vio Bank's APY of 4.03% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Vio Bank vs Ally Bank | 3.20% | $0 |
| Vio Bank vs American Express | 3.30% | $0 |
| Vio Bank vs Axos Bank | 4.21% | $0 |
| Vio Bank vs Bank of America | 0.01% | $100 |
| Vio Bank vs Barclays | 3.85% | $0 |
| Vio Bank vs Capital One | 3.30% | $0 |
| Vio Bank vs Chase Bank | 0.01% | $0 |
| Vio Bank vs Chime | 3.00% | $0 |
| Vio Bank vs CIT Bank | 3.75% | $100 |
| Vio Bank vs Citibank | 3.20% | $0 |
| Vio Bank vs Discover Bank | 3.30% | $0 |
| Vio Bank vs EverBank | 3.90% | $0 |
| Vio Bank vs Newtek Bank | 4.20% | $0.01 |
| Vio Bank vs Openbank | 4.09% | $500 |
| Vio Bank vs Pibank | 4.60% | $0 |
| Vio Bank vs SoFi Bank | 4.00% | $0 |
| Vio Bank vs Synchrony Bank | 3.50% | $0 |
| Vio Bank vs Varo Bank | 5.00% | $0 |
| Vio Bank vs Wealthfront | 3.95% | $0 |
| Vio Bank vs Wells Fargo | 0.05% | $25 |