Consumer Banking

Marcus by Goldman Sachs offers no-fee, unsecured personal loans; a high-yield Online Savings Account and certificates of deposit; and Clarity Money, a personal financial management app acquired in April 2018.

Our vision is to create the leading platform for millions of consumers to take control of their financial lives – through personalized products to save, borrow and spend that are simple, transparent and always on the side of the customer.

Currently, Marcus by Goldman Sachs is offered in the US and the UK.

What We Offer

Deposits

We offer a high-yield Online Savings Account and certificates of deposit with competitive interest rates in the US through Goldman Sachs Bank USA. Goldman Sachs Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC), which insures deposits up to certain limits (see FDIC). We also offer a high-yield Online Savings Account in the UK through Goldman Sachs International Bank. Deposits with Goldman Sachs International Bank are protected up to a certain amount by the Financial Services Compensation Scheme (FSCS).

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Lending

We help consumers better manage their debt by providing no-fee, fixed rate personal loans ranging from $3,500-$40,000. Our loans can be used to pay off high interest credit cards, for major purchases, for home improvements, or for special occasions.

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Clarity Money

We help consumers improve their financial health by harnessing the power of machine learning and intuitive design to provide actionable insights. Clarity Money, a personal financial management app, features the ability to view linked financial accounts in one, simple-to-use dashboard. The application is available in the United States via the Apple App store, Google Play store and web.

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In the US, Marcus by Goldman Sachs^® is a business unit in Goldman Sachs Bank USA. All loans and US deposit products are provided by Goldman Sachs Bank USA, Salt Lake City Branch. © 2020 Goldman Sachs Bank USA. Goldman Sachs Bank USA is a New York State-chartered bank and supervised by the New York State Department of Financial Services. GS Bank USA is also a member of the Federal Reserve System and the FDIC and is supervised by the Federal Reserve Bank of New York and the Consumer Financial Protection Bureau. For more information on business units in GS Bank USA, please see our annual report.

In the UK, Marcus by Goldman Sachs® is a registered trademark and trading name of Goldman Sachs International Bank. Goldman Sachs International Bank is registered in England and Wales, authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.