Marcus by Goldman Sachs vs. Pibank
Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY while Pibank's Pibank Savings pays 4.10% 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 $70 more than Marcus by Goldman Sachs annually ($410 vs $340).
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 Sep 5, 2026 | PibankPibank Savings Sep 5, 2026 |
|---|---|---|
| APY | 3.40% | 4.10% |
Earns in a year | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
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 institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Pibank
Executive Summary
Pibank offers a competitive APY of 4.10% on its Pibank Savings account, making it the winner in this comparison. This account requires a minimum balance of $1 and has no maintenance fees, with daily compounding. In contrast, Marcus by Goldman Sachs provides a lower APY of 3.40% on its Marcus Online Savings Account, which has no minimum balance requirement and is also online-only. While both banks feature no direct deposit requirements, Pibank stands out for its higher returns, especially on larger deposits, and offers a simpler account structure without bundling.
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 2.1)
- Higher rated Android app (4.9 vs 1.8)
Why Pibank?
- Higher potential APY (4.10% vs 3.40%) on all balances
Key Feature Differences
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $410 vs $340/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1025 vs $850/yr).
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 2.1) and Android app rated 4.9 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $70 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 $70 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $335 a year in interest.
Both Marcus by Goldman Sachs and Pibank advertise far more than that typical branch-bank rate.
| Feature | Marcus by Goldman Sachs | Pibank |
|---|---|---|
| APY | 3.40% Observed: 9/5/2026 Stable over 90 days | 4.10% Observed: 9/5/2026 0.30%90-day change |
| 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 |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 5 (MA, NJ, NY, UT) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | 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 | 3.40% | 4.10% |
Trend | Stable | Stable |
Speed of change | -0.01 | -0.03 |
Days Since Change | 94 | 64 |
12-Month High | 3.65% | 4.60% |
12-Month Low | 3.40% | 4.10% |
Changes per month | 0.17 | 0.17 |
Steadiness | 0.009 | 0.014 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 362-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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