Marcus savings accounts

Marcus by Goldman Sachs offers a select range of savings accounts with interest rates up to 4.55%.

4.4 ★★★★★ (126 reviews) Write a review
Marcus by Goldman Sachs

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 4.55% is available on one of its fixed-rate bond accounts.

Easy access savings accounts

Table: sorted by interest rate
Marcus by Goldman Sachs's best easy access rate of 4.01% is significantly lower than today's market-best rate of 6%.
Product Account type Withdrawals Min. opening balance Rate Deposit protection Open via Incentive
Marcus by Goldman Sachs logo
Marcus by Goldman Sachs Online Savings
Variable Rate
Instant access
£1
4.01% AER variable (includes a 0.49% bonus )
FSCS logo
protected
Open via: website.
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Cash ISAs

Table: sorted by interest rate
Marcus by Goldman Sachs's best cash ISA rate of 4.01% is lower than today's market-best rate of 5.44%.
1 of 1 results
Product Rate Minimum investment Interest paid Withdrawals Deposit protection Open via Incentive Table product description
Marcus by Goldman Sachs logo
Marcus by Goldman Sachs Cash ISA
4.01% AER variable (includes a 0.49% bonus )
£1
Monthly
Instant access
FSCS logo
protected
Open via: website.
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Fixed-rate bonds

Table: sorted by interest rate
Marcus by Goldman Sachs's best fixed-rate bond rate of 4.55% is significantly lower than today's market-best rate of 7.5%.
1 of 1 results
Product Rate Invest Interest paid Withdrawals Open via Deposit protection Open via Incentive Table product description
Marcus by Goldman Sachs logo
Marcus by Goldman Sachs 1 Year Fixed Rate Saver
4.15% AER fixed for 1 year
From £1
Maturity
Withdrawals not permitted
Website
FSCS logo
protected
Open via: website.
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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 4.01%
Best cash ISA rate 4.01%
Best fixed-rate bond rate 4.55%
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.

Kirsty Adams's headshot
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 was recommended by 90% of customers in the 2025 Finder Customer Satisfaction Awards.

The Marcus app has a rating of 4.8 out of 5 from around 16,000 reviews on the Apple App Store. On the Google Play Store, the app has a score of 3.3 out of 5 from more than 1,300 Android app users.

Marcus has a Trustpilot score of 2.8 out of 5 from around 270 reviews.

These were checked in May 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.

Marcus and Finder Awards

Finder Awards logo

Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Marcus is one of these brands and was named our 2024 Savings Customer Satisfaction Award winner!

Frequently asked questions

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.

Your reviews

4.4
★★★★★(0)
5
4
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1

All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

10 of 126 reviews

★★★★★ Andrew (London) 6 months ago

Via customer survey commissioned by Finder

they have done what I want when I want it


★★★★★ Lee (Nottingham) 6 months ago

Via customer survey commissioned by Finder

good app, good interest rates, ease of managment


★★★★★ Libby (Edinburgh) 6 months ago

Via customer survey commissioned by Finder

easy to set up and use and has a good interest rate


★★★★★ Duncan (Birmingham) 6 months ago

Via customer survey commissioned by Finder

Easy to manage snd good rates


★★★★★ Paul (Bristol) 6 months ago

Via customer survey commissioned by Finder

Keeps us up to date!


★★★★★ Harry (London) 6 months ago

Via customer survey commissioned by Finder

Account easy to manage, the online interface is easy to use. Money moves quickly. The interest rate is generally good, though perhaps not as good as some other accounts.


★★★★★ Tom (Liverpool) 6 months ago

Via customer survey commissioned by Finder

Never an issue with Marcus,always well informed.


★★★★★ Ava (Leeds) 6 months ago

Via customer survey commissioned by Finder

Simple to use online and good rates of interest


★★★★★ Liam (Birmingham) 6 months ago

Via customer survey commissioned by Finder

It has a good interest rating


★★★★★ Oliver (Norwich) 6 months ago

Via customer survey commissioned by Finder

Good interest rates.


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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 261 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

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