Marcus savings accounts

Goldman Sachs launched Marcus in the UK in 2016 as an online savings and loans bank for the masses.

Marcus by Goldman Sachs's top savings rate of 4.3% is available on its fixed-rate bond account.

Easy access savings accounts

Marcus by Goldman Sachs's best easy access rate of 3.75% is significantly lower than today's market-best rate of 6%. Compare more instant and easy access accounts up to 6%

Cash ISAs

Marcus by Goldman Sachs's best cash ISA rate of 4.01% is lower than today's market-best rate of 5.25%. Compare more ISAs up to 5.25%

Fixed-rate bonds

Marcus by Goldman Sachs's best fixed-rate bond rate of 4.3% is slightly lower than today's market-best rate of 5.25%. Compare more fixed-rate bonds up to 5.25%

What is Marcus by Goldman Sachs's best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Marcus by Goldman Sachs offers, plus the highest interest rate currently available.

Savings account types include	Easy access, cash ISAs, fixed-rate bonds
Best easy access rate	3.75%
Best cash ISA rate	4.01%
Best fixed-rate bond rate	4.3%
Fixed bond terms	1 year
Opening options	Website, mobile app
FSCS protection

Are the accounts online?

Yes – you can open and manage your account online. If you wish to withdraw money, you will need to log into your Marcus account and transfer money to another UK account in your name (your linked account).

Likewise, if you want to deposit money, you have to transfer it in from your linked account.

How do I decide which account is for me?

Firstly, you need to decide what you’re looking for in a savings account. Are you after a tax-free savings account? Do you want to be able to pay in and access your cash whenever suits, or are you able to lock away a lump sum for a time?

You need to work out what you need before comparing the different offers available for certain types of savings accounts. Once you have done that, it’s useful to look at:

• Interest rates
• Fees (If there are any.)
• Access to cash (If you need quick access, for instance.)

What you need to open a Marcus account

To qualify for a Marcus account, you must:

• Be aged 18 or over
• Have a UK address and be resident in the UK for tax purposes
• Have a UK current account with a sort code and account number
• Have a UK mobile phone

Customer service information for Marcus

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Is Marcus safe?

Goldman Sachs International is authorised and regulated by the Financial Conduct authority. In addition, it is covered by the Financial Services Compensation Scheme (FSCS) so your savings are covered for up to £120,000 if Goldman Sachs goes bust.

What do customers say about Marcus?

90% of customers we surveyed in 2026 would recommend Marcus to a friend.

The savings provider - by Goldman Sachs - is highly valued for its incredibly simple account setup, excellent app, and historically competitive interest rates. Users appreciate the quick, 24/7 transfers to linked accounts and the loyalty bonuses occasionally offered.

However, while it remains a reliable choice, several long-term customers noted that the interest rates have lagged behind newer competitors recently and reduce a little too frequently.

AI-generated summary from the text of customer reviews on Finder.

Marcus and Finder Awards

Our verdict: Is it worth saving with Marcus?

Marcus offers a decent range of savings accounts, whether you’re looking for an easy access account or a fixed rate bond. Just to be sure, though, check out our other savings reviews first to make sure it’s the best choice for your money.

Frequently asked questions

• Can I open an account if I'm not a UK resident?

  Unfortunately, no. Marcus requires you have a UK address and be a UK resident for tax purposes.

• Can I add money to my account by cheque?

  Moving money from your linked account is the only way you can add money to your Marcus account. Your linked account is your main UK bank account from which you pay into your Marcus account. So as long as the cheque is drawing on your linked account, then you can.

  1. Make the cheque payable to Goldman Sachs International Bank.
  2. Write your Marcus sort code and account number on the bank.
  3. Post it securely to:

  Marcus UK
  PO Box 74787
  London
  EC4P 4JG

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.