Marcus savings review

Good for flexibility and easy access savings accounts

Limited in the account types it has on offer

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 one of its easy access accounts.

Easy access

Cash ISAs

Fixed-rate bonds

Easy access savings accounts

Table: sorted by interest rate

Marcus by Goldman Sachs's best easy access rate of 4.3% is significantly lower than today's market-best rate of 6.89%.

1 - 2 of 2

Product	Account type	Withdrawals	Min. opening balance	Rate	Deposit protection	Open via	Incentive
Marcus by Goldman Sachs® – Online Savings Account Finder Award	Variable	Instant access	£0	4.3% AER variable (includes a 0.49% bonus )	protected	Open via: website, mobile app.		Go to site View details	loading Fetching your data...
Marcus by Goldman Sachs® – Cash ISA Finder Award	Cash ISA	Instant access	£0	4.3% AER variable (includes a 0.49% bonus )	protected	Open via: website, mobile app.		Go to site View details	loading Fetching your data...

loading

Compare more instant and easy access accounts up to 6.89%

Cash ISAs

Table: sorted by interest rate

Marcus by Goldman Sachs's best cash ISA rate of 4.3% is lower than today's market-best rate of 5.71%.

1 - 1 of 1

Product	Rate	Minimum investment	Interest paid	Withdrawals	Deposit protection	Open via	Incentive	Table product description
Marcus by Goldman Sachs® – Cash ISA Finder Award	4.3% AER variable (includes a 0.49% bonus )	£1	Monthly	Instant access	protected	Open via: website, mobile app.			Go to site View details	loading Fetching your data...

loading

Compare more ISAs up to 5.71%

Fixed-rate bonds

Table: sorted by interest rate

Marcus by Goldman Sachs's best fixed-rate bond rate of 4.15% is slightly lower than today's market-best rate of 4.65%.

1 - 1 of 1

Product	Rate	Invest	Interest paid	Withdrawals	Open via	Deposit protection	Open via	Incentive	Table product description
Marcus by Goldman Sachs® – 1 Year Fixed Rate Saver	4.15% AER fixed for 1 year	£1 - £250,000	On maturity	Withdrawals not permitted	Website, mobile app	protected	Open via: website, mobile app.			Go to site View details	loading Fetching your data...

loading

Compare more fixed-rate bonds up to 4.65%

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	4.3%
Best cash ISA rate	4.3%
Best fixed-rate bond rate	4.15%
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 £85,000 if Goldman Sachs goes bust.

Case study: Kirsty raised her interest rate with Marcus' boosters

"The easy access account’s a good option if you’re happy with app-only access to your savings account. Marcus regularly offers temporary interest boosters, which you need to manually activate on your account to receive the highest interest rate available to you. They are a welcome surprise, but this account might not be suitable if you would rather an out of sight, out of mind approach with little admin. You need to keep on top of your emails from Marcus to ensure you are receiving the highest interest rate, as the boosters are quite significant amounts.It was very easy to open the account and the app has a simple interface.

If there’s one thing you’d tell a friend who’s thinking of getting this, what would it be?

Mark Marcus as a high priority sender in your emails!”"

Kirsty Adams

Works in Finder's People & Culture team

Marcus customer reviews

Marcus won the savings category in the Finder Customer Satisfaction Awards in 2024, with 100% of customers saying they’d recommend the service to a friend. Feedback included praise for its interest rates and easy to use app.

One customer commented: “Competitive interest rate, simple and efficient online platform.”

Another customer said: “This account is easy to access and you can withdraw funds at any time. I have often received bonus rates. I feel their rate has always been competitive.”

The Marcus app has a rating of 4.8 out of 5 from around 16,000 reviews on the App Store. On Google Play, the app has a score of 4.2 out of 5 from almost 12,000 Android app users (updated March 2025).

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

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Thank you for your feedback!

Written by

Matthew Boyle

Publisher

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise

Matthew has written 279 Finder guides across topics including:

Helping first-time buyers apply for a mortgage
Comparing bank accounts and highlighting useful features
Publishing easy-to-understand guides

More resources on Finder

Shawbrook savings accounts Tesco Bank savings rates

More guides on Finder

Compare savings accounts with compound interest
We look at the definition of compound interest, what it concretely means and how you can use it to grow your savings more quickly.
Offshore savings accounts
Learn how offshore savings accounts work, which taxes you need to pay and how to score the best deal.
HSBC savings accounts and rates
Check out the savings accounts on offer from HSBC. We walk you through the various types of account, and explain which one might be best for you or your kids.
Halifax savings rates review, from savings accounts to ISAs
Whatever you’re saving for, find the right Halifax savings account for you. Our detailed guide walks you through which of Halifax’s savings accounts is for you.
Tesco Bank savings rates
Learn about the savings options at Tesco Bank, from ISAs to fixed rate savings. We highlight Tesco Bank savings accounts’ features and pros and cons.
Santander savings accounts
Our guide to Santander’s savings accounts. From ISAs to regular savings, from fixed-term to junior saving accounts, Santander might have the option for you.
Yorkshire Building Society savings accounts and interest rates
Yorkshire Building Society offers a range of savings accounts. If you’re looking to save, see our guide for more.
Nationwide savings account rates compared
Nationwide’s savings account options explained. Whether you’re happy to tie up your money or need instant access, we’ve covered the options.
Best Post Office savings account rates evaluated
Read about the Post Office and the savings accounts they offer. Find out more about the services Post Office Money provide, and see if they are right for you.
Barclays savings rates
Whatever you’re saving for, big or small, Barclays Bank offers a full range of savings accounts. Our guide takes you through the full range.

Marcus savings accounts