Good for flexibility and easy access savings accounts
Limited in the account types it has on offer
Marcus savings accounts
Marcus by Goldman Sachs offers a select range of savings accounts with interest rates up to 4.3%.
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 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%.
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Cash ISAs
Table: sorted by interest rate
Marcus by Goldman Sachs's best cash ISA rate of 4.3% is slightly lower than today's market-best rate of 5.32%.
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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 4.7%.
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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 | 4.3% |
| 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!”"
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
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.
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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.
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