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Marcus Review

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Reviews 202

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Michael Dinich
Michael Dinich
May. 17, 20214 min read

Marcus summary

Marcus, a new personal loan provider by Goldman Sachs, offers loans that are fee-free and can be tailored to suit each individual customer. Fast funding is also a crucial component of the Marcus strategy, and many Marcus customers receive funds in as little as 5 days.

Pros

  • No origination, processing, or prepayment fees
  • Many Marcus customers receive funds in as little as 5 days

Cons

  • High credit score required to be accepted
  • Late payment policy can mean higher interest rates

Marcus Marcus View Rates

Overview  

Marcus is a new personal loan solution- backed by over 150 years of Goldman Sachs' financial experience. This recently-launched branch of the venerable investment bank is currently testing its new approach to personal lending and debt consolidation on a smaller audience, but anyone can now borrow without a special invitation. In a fresh spin on an old system, loans from Marcus are fee-free, and offer more flexibility thanks to unique loan features. Fast funding is also a crucial component of the Marcus strategy, and many Marcus customers receive funds in as little as 5 days. In order to offer its customers good loan options, only the most creditworthy applications qualify for the largest loan amounts and lowest rates.

Suitable For?

Marcus is recommended for borrowers with debt from several creditors, consolidating outstanding obligations under a single loan may be a good idea. Marcus makes it easy to put all these debts under one manageable banner. Others who simply need the cash to complete a home improvement project, buy an engagement ring, or handle a personal matter are also welcome. Generally, those with healthier credit have a better chance at obtaining a loan from Marcus. Marcus is flexible and lets you choose the length of your term, as well as the monthly payment you'd like. 

Loan Features  

Marcus does not place any restrictions on its loans, which can be used for debt consolidation, home improvements, and many other alternatives. You can personalize your repayment terms and monthly payments along with loan amounts. Marcus also does away with fees, instead offering fixed-rate loans with no hidden surcharges or additional costs. Customers can apply for loans directly online with no need for visits to a branch or calls to representatives. Additionally, Marcus rewards responsible repayments, allowing customers to defer one payment after 12 months of on-time payments without a penalty or extra charges. The company provides a range of repayment terms, and allows customers to pay out their loan early without penalty.

Highlights for Marcus:

  • Most creditworthy applications qualify for the largest loan amounts and lowest rates
  • Rapid funding - Many Marcus customers receive funds in as little as 5 days
  •  Adjustable range of loans, terms, and monthly payments
  •  Absolutely no fees
  •  Personal loans for debt consolidation and more
  •  Competitive interest rates
  •  Late payment feature lets customer earn the ability to defer payments
  •  Reasonable range of loan amounts
  •  Solid foundation in Goldman Sachs, a centuries old institution

The Application Process

The first step of the application process is to fill out a form that asks for basic details and financial information. Once completed, one of the more unique offerings makes its appearance: two sliders that let the applicant choose their term and monthly payment. After answering a few more questions on income and other demographic information, Marcus performs soft credit check on the applicant, which does not impact their score.

To be approved for a loan, Marcus asks that applicants meet the following requirements:

  • Be a citizen or legal permanent resident of the US
  • Be 18 years or older (must be 19 years old in AL, 21 years old in PR & MS)
  • At least 36 months credit history

Additionally, applicants are recommended to have the following documents ready to expedite the approval process:

  • Recent bank statements
  • Proof of income such as pay stubs or tax returns
  • A driver’s license or similar photo ID
  • Proof of citizen/residence such as a passport

Loan Terms 

Unlike many of its competitors, Marcus is focused on providing customers a more versatile lending experience. When applying, customers are asked to provide a range of preferable loan terms and monthly payments. The company takes these selections into account during the approval and funding process, giving customers an approximation of their preferences. This sets it apart from many industry mainstays that give customers set terms without choices.

Thanks to its slightly higher approval requirements, Marcus can offer customers more favorable terms and loan amounts, along with the ability to set their own preferences. The company offers borrowers loans as low as $3,500, reaching as high as $40,000. What really sets the company apart, however, is its fee structure and benefits. The company does not charge any origination, prepayment, or even late fees. Customers who miss payments or cannot cover the full amount in a given month will simply have interest added to their final payment. However, customers who pay on time for 12 months can defer up to 3 payments for no extra interest, with the missed installments simply added to the end of the loan.

Repayment Terms

It takes anywhere from 36 months to 72 months, or between 3 and 6 years to pay off a Marcus personal loan, with unique intermediate terms on offer. Borrowers can get approved for as low as $3,500 or as much as $40,000, and can choose to pay their loan back on a schedule that is as relaxed, or as stringent, as they like. During repayment, there are absolutely no fees involved for any customer service process, and a unique feature of Marcus reveals itself after just a year. After 12 consecutive months of consecutive on-time payments, the borrower earns a credit that allows them to make a late monthly payment at any time in the future, without incurring additional interest charges. Customers may also configure their repayment date on any day of the month and can change it up to three times over the course of repayment. Marcus impressed us with their creativity in creating this incentive, and we can see customers appreciating the feature.

Privacy & Security 

Opting for a Marcus loan is one of the safest choices you can make. With nearly 150 years in the finance industry, a solid reputation, and consistent backing, you can be confident that you won’t have the issues you would with some other lenders - such as not getting paid, hidden fees, aggressive marketing techniques, or problematic practices. Everything that runs through Goldman Sachs is legitimate and provides quality, reliability, and integrity regardless of your financial standings.

Help & Support

During our exploration of Marcus and its services, we encountered a friendly and informed customer service team. While Marcus may be a new entry into an established market, the representatives we spoke with were experienced. Staff members responded to our inquiries via email and phone within a reasonable amount of time. We waited just a few minutes before speaking with a friendly support team employee, and for email we were returned to within a single business day. Additionally, the “Insights” section of the Marcus website holds a thorough FAQs list and a collection of frequently-updated articles on debt.

FAQs

Does Marcus charge any fees?

Marcus does not charge any fees for originating a loan. The company doesn't charge late fees either, and if you miss a payment or can’t cover your entire payment in a given month, Marcus will simply add interest to your final payment. You can also defer up to 3 payments with no extra interest if you have made your payments on time for 12 months. Finally, if you decide to pay off your loan early, Marcus will not charge you a prepayment penalty. 

What are the credit score requirements?

The credit score requirements with Marcus are a bit higher than that of many competitors. When you’re applying for a loan with Marcus, the company will do a soft credit check, which has no impact on your credit score. It also provides customers with free tools for improving their credit and reducing debt. 

What can I use my loan for?

Marcus does not place any restrictions on what you use the loan for. You can use the extra cash flow for debt consolidation, home renovations, a family vacation, or really whatever your heart desires.

How long does the process take?

The application process on Marcus is easy and straightforward, and you never have to head down to your local bank branch. Many Marcus customers receive funds in as little as 5 day, according to Marcus.

Summary

For people who are looking for a personal loan, Goldman Sachs-backed Marcus provides a quick solution. The absence of fees and flexibility makes a Marcus loan worthwhile and effective. Borrowers can choose their monthly payment, term length, and use their good performance to make late payments at no extra cost. With low APR and long terms, Marcus is taking advantage of their access to inexpensive credit to give borrowers a better alternative than credit cards.

Marcus Marcus View Rates

Disclaimers

*After making 12 or more consecutive monthly payments, you can defer one payment as long as you have made all your prior payments in full and on time. We will waive any interest incurred during the deferral, and extend your loan by one month (you will pay interest during this extra month). Your payments resume as usual after your deferral. Advance notice is required. See loan agreement for details.

*Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. You may be required to have some of your funds sent directly to creditors to pay off down certain types of outstanding unsecured debt. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans. Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.


Michael Dinich
Written byMichael Dinich

Michael has worked in personal finance since 1999. He shares unique insights on how to save money, increase income and prepare for retirement. Michael is a sought-after expert in the areas of taxation, personal finance, and health insurance planning. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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GreatReviews 202
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32%
  • author
    Jonathan Cruickshank
    Sep 01, 2022
    Great bank

    Great bank - you get inetrest and customer service - Lloyds please take note!

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  • author
    Smokey Bean
    Sep 22, 2022
    Very crafty company two months in a row…

    Very crafty company two months in a row increases the interest rate hours before the Bank of England released interest rates and yes shortchanged us instead . Used to be at the forefront years ago but not now . Will be looking elsewhere to put my savings

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  • author
    Demon Williams
    Sep 20, 2022
    WORST CARD & CUSTOMER SERVICE…

    WORST CARD & CUSTOMER SERVICE (PATRICIA) EVER, WARNING!!!!!!! WARNING!!!!! STAY CLEAR OF THIS HIGH INTEREST HEADACHE I NEVER SIGNED UP FOR THIS CARD TO MAKE THINGS CLEAR, SINCE CAPITAL SOLD THIS CARD TO MARCUS BY GOLDMAN SACHS THIS HAS BEEN TROUBLE AS FAR AS INTEREST, I PAID THE BALANCE IN FULL A WEEK LATER I OPEN THE CARD AND ITS A INTEREST FEE, I WAS TOLD I HAD TO PAY THE BALANCE FOR TWO MONTHS STRAIGHT (SOME GARBAGE THAT MADE ABSOLUTELY NO SENSE @ ALL, CONSIDERING I PAID IT OFF BEFORE THE INTEREST EVEN HIT THE CARD, I JUST END UP PAYING THE REMAINING INTEREST JUS TO PUT THIS BEHIND ME BUT I WILL NOT USE THIS CARD FOR NOTHING BUT SMALL PURCHASES JUS TO KEEP IT OPEN SO IT WONT HURT MY CREDIT, IN MY OPINION THIS IS A COMPLETE SCAM CARD.

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  • author
    Mr. Robert Eastwood
    Sep 07, 2022
    From Hero to Zero

    With the recent increases in the Bank of England Base rate. Marcus were in the first instances reasonably prompt in raising their interest rate but of late Marcus it seems you are lulling behind the marketplace.

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  • author
    Katerina
    Aug 26, 2022
    Uncompetitive interest rate

    From an operational perspective, my experience with Marcus has been very good. Transfers are super fast and the set up is easy and uncomplicated. However, whilst the Marcus saver started off as a market leader with the best interest rate, they have not kept this up and the interest rate is now uncompetitive. There are several other providers offering significantly better interest rates. Unlike them, Marcus is very slow to pass the recent Bank of England base rate increases onto its customers, whereas the challenger banks have been quick to increase their interest rates above the base rate. As such, Marcus is no longer my main go to provider for easy access savings, which is a shame. Ultimately, as ever, it would seem the bigger the bank, the less they need to make an effort to keep their customers.

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  • author
    Donna
    Aug 25, 2022
    Credit Card Points Held Hostage!!

    HELP! MY GM POINTS ARE BEING HELD HOSTAGE BY MARCUS! I don't know if Marcus UK is same as Marcus USA, but this is my review of Marcus Goldman Sachs USA. I have had a General Motors Capital One credit card for several years, which Goldman Sachs/Marcus took over. I never had a bit of problem when the GM card was handled through Capital One. The slow tedious process of the transfer from Capital One to Marcus was the least of my complaints. I have been notified of late payments 3 times since March (when I received my card), although I set them up to be paid online and on time through my credit union. After numerous calls with several Chase customer service employees, I found out that Marcus Goldman Sachs only processes ACH payments electronically from Goldman Sachs Bank. All other ACH payments (which is the way my credit union transfers the payments) from other non-Goldman Sachs financial institutions are MAILED to GS from ACH. This is the reason why my payments have been late, even though according my CU, the money transfer was sent out ACH and the payments should have been received on time. GS would not wave the interest and late fees, even though I always pay my card in full (and what I expected to be on time). I suppose somewhere in the fine print there's a notice about ACH payments not originating from GS and the additional time required (I was told 10-12 days!!!) to process. This is highly infuriating to me, as now I likely am showing late payments on my credit reports. I might add that Marcus/Goldman Sachs is the only company I have had a problem with ACH transfers being later than my CU says they will be received. I would happily cancel my Marcus card, but hope to purchase a new GM vehicle in the next year or two, and don't want to lose my accrued points!

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  • author
    Mr Spooble
    Aug 24, 2022
    Appalling utterly contemptous attitude…

    Appalling utterly contemptous attitude to the customer, they really don't give a stuff. Characterised by automated inhumanity. If GS care that little why bother ? Save yourself the Kafkaesque stress and go elsewhere.

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  • author
    Auau64
    Aug 16, 2022
    Bad customer service

    I recently tried to log into the Marcus app , it was really important as I needed to move some funds right away . fingerprint log in didn't work , my password didn't work , tried to reset the password and the account was locked . I had to phone the bank to try and unlock my account. The UK customer service team are terrible . I was put through to complaints which took over 30 minutes . The complaints team are very patronising! I made my complaint and then you have to wait for a written response from these people. When I eventually received there response they had basically not put any of the relevant important information into there findings. I phoned the bank again and once again your put on hold for ages before being able to speak to complaints. Once again I had to go through my complaint. You wait for another written response and once again all the key issues are missing. . This bank has changed ,!!! Terrible customer service I will be taking my £59,000 and putting it somewhere it will be appreciated! Update Marcus Goldman Sachs have seen this review and closed my account moving all my funds to a registered account without my acknowledgment or permission

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  • author
    Nicole Jones
    Aug 11, 2022
    Extremely quick, efficient & positive experience

    After many long hours of researching and reviewing several loan consolidation platforms, Marcus was our second runner up & won’t mention the first since we were turned down in less then a minute. After typing in my personal information and submit, the process was quick and efficient. Marcus made us feel like human beings & not just a “number”. Extremely happy to get our finance’s back on track with this loan. Look no further there the best at what they do and have to offer

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  • author
    johnnymack
    Aug 03, 2022
    Interest rates

    Interest rates, why do customers have to renew there own bonus Interest rate? If they don't they do not receive it, is this just a way of saving your company money. Why not up the Interest rate accordingly and forget about the customer having to click a button on your web page, disgraceful company, shame on you.

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  • author
    Mark
    Jul 29, 2022
    Stay far away from this scam of a bank

    Wow, where do I begin? Aside from the customer service issues (what kind of bank doesn’t have online chat these days?) they also do not let you log into your account while outside the US. That’s right: need to transfer money to a checking account and withdraw cash while on vacation? Tough luck! I spent $10 in international charges to CALL and request a transfer, after which I promptly closed the account. Even in the US, it was a nightmare to transfer funds out of Marcus. I added a new Citi account, completed the trial deposit verification process, and initiated a transfer only for Marcus to manually reverse it due to ‘potential fraud.’ When I called, they said I needed to call to inform them I had added a new account to transfer money (like they’re a nosy parent). Making the trial deposit process useless! Stay away, stay away. No interest rate is worth this incompetence.

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  • author
    Michael Brierley
    Jul 21, 2022
    transfer money

    i have just transfered money to nominated account as mine was getting low,always very quick never had problems with marcus,good service all round

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  • author
    dbmaul
    Jul 08, 2022
    Stay away from Marcus by Goldman Sachs!

    Stay away from Marcus by Goldman Sachs at ALL COSTS. Seriously, if you take any honest review to heart and look for a different product, this is the one. My experience has been absolutely horrendous and I want to save others from the headache of dealing with a company still operating in the dark ages. If you don't believe me, check out the wall of 1 star reviews here: depositaccounts com/banks/reviews/marcus-goldman-sachs.html This company is horrible. It does not empower its employees with the ability to do anything helpful for business customers. Business customers can only contact customer service through one line, via phone - not email, chat, etc - and the phone representatives have no power to make anything happen other than tick buttons in a system and tell the customer on the other end of the line that they're actually doing something. There is no email when you close your account. There is no email when you make your final payment. There is no email with a pay-off letter, often needed to unlock certain items. Everything is by snail mail. Everything is antiquated. Everything requires you wait 2+ weeks to even know if something has been done. I will NEVER recommend Marcus, and I will ALWAYS recommend people RUN.

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  • author
    Michael Armstrong-Jones
    Jun 27, 2022
    Awesome savings app

    Awesome savings app, great interest rates too, so easy to set up and save!

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  • author
    S854
    Jun 26, 2022
    Transfers can be slow

    I'm pleased with the interest rate on my account however they need to do something about the money transfer times which can be very slow. Weekends tend to be partcularly bad and I've had transfers out of my account that took over 6 hours before. This morning I transferred some money in and it took over half an hour to show up. Most banks I've used transfer money in a few seconds.

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  • author
    JOHN STRICKLAND
    Jun 22, 2022
    Excellent service once again

    Excellent service once again. While on holiday with little or no wifi I received an email about an increase in the interest bonus. I was unable to action it. Today I get a reminder which I've actioned. I don’t get this with other online banks.

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  • author
    New York
    Jun 18, 2022
    Highly recommend

    I've been with Marcus a few years and very impressed with the service. Withdrawals from the account take seconds and always back in my bank account in less than 5 minutes. Amazing service and I shouldn't think they're a clearing bank either. Not sure how they achieve that speed. Very good reports too. Just wish they offered fixed rate bonds. Not surprised as they're owned by Goldman Sachs. UK challenger banks need to learn from the Americans. Next will be Chase part of JP Morgan

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  • author
    Gill Ellis
    Jun 12, 2022
    Excellent bank

    I'd like to assure Richard Kosinski (29 Apr 2022) that this is not a fake review. I have had a Marcus account since summer 2019. I can't speak for their customer services because I have never needed to ask for it. I love this bank. I'm so impressed that they have increased the interest rate on my savings account several times recently - including offering a better bonus rate than before - without me having to ask. It's nice to be told by a bank that they are giving you money without you having to drag it out of them. They are part of the 'faster payments' system so transfers in and out are always really quick. The only disadvantage with this account is that you can only transfer to and from one linked account but that's not a hardship. Very happy to recommend.

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  • author
    Janin Campos
    Jun 10, 2022
    Mark was excellent and super helpful in…

    Mark was excellent and super helpful in dealing with a large payment we needed made towards our house purchase. It is refreshing to deal with a knowledgeable, helpful and pleasant professional that is truly service orientated,. Thanks Mark and Marcus

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  • author
    Lynne Sweeney
    Jun 09, 2022
    Samantha

    I dealt with a young lady called Samantha and nothing was to much trouble. I recently suffered from a Brain tumour and how she handled my enquiry was above the call of duty.

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  • author
    Gene Hobdy
    Jun 06, 2022
    Save yourself some frustration and…

    Save yourself some frustration and DON'T get this card. Won't give a confirmation number when you make a payment.. Unable to do anything.

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  • author
    Andrew Jinman
    May 31, 2022
    Truly excellent customer service.

    Whilst I have switched to Chase, with a higher deposit interest rate, I have not found a more competent customer service team. Although, I have only had the need to speak to them on two occasions. Special mention must be given to Cecil who dealt with our query today with competency and sympathy. Which is rare! Another bonus is I was connected in under a minute. Will return if the deposit interest rate is competitive.

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  • author
    RobertoG
    May 25, 2022
    Marcus Bank are very good at making…

    Marcus Bank are very good at making things easy. Absolutely no trouble opening and operating my account, makes me wonder why other banks have so many difficulties. "Does what it says on the tin" banking. Excellent!

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  • author
    Bri the Master
    May 24, 2022
    Marcus is just very good

    Been with Marcus for just over 2 years. Everything seems very efficient and professional. The website is clear and easy to navigate and use. I have had no problems with them. I have sought information from Customer Services on one or two occasions and a) they answered very quickly (amazing these days) b) they treated me like a human being, were pleasant and answered my queries in non-banking language. Good simple communications and better interest rates than many.

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  • author
    Malcolm Chester
    May 19, 2022
    Always excellent, highly recommended

    Always excellent. Have moved funds elsewhere on a few occasions but soon returned as none were a patch on Marcus for service, speed and efficiency. Thoroughly recommend them

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  • author
    Charlotte
    May 05, 2022
    I really like this bank BUT why can you…

    I really like this bank BUT why can you not transfer an ISA in?

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  • author
    BM
    May 04, 2022
    Reliable service over many years

    I have used Marcus Bank for a number of years now, and have had problem-free service and a fair rate of interest that doesn't penalise loyalty. Yes, they offer a straightforward and more simple service compared to some other banks, but what they do, they do well.

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  • author
    Richard Kosinski
    Apr 29, 2022
    What a pack of lies

    What a pack of lies. All these reviews are fake. Marcus bank is horseshit

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  • author
    Lizee Barry
    Apr 25, 2022
    A brilliant company to deal with

    Excellent, friendly customer service from every staff member I have dealt with. My Dad passed away in December and had an account with them, which I have been in the process of closing. They have made everything so simple, every step of the way. All of the staff are polite, informative and also have all been sympathetic to my circumstances and my loss. I would definitely look to use Marcus again for future savings accounts and can’t recommend them highly enough.

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  • author
    Lenka
    Apr 22, 2022
    Excellent Service

    I have been with Goldman Sachs for several years now. I can only agree with reviews below. Excellent website and brilliant customers services. Happy customer

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  • author
    Ray
    Apr 13, 2022
    Gold standard

    Everything about Marcus is top-notch and very professional. The website is clear and easy to navigate and use. The Customer Services people are helpful and knowledgable....and you don't have to wait an hour to get to speak with them! Fair to existing customers with good communications and fair interest rates. Thank you and keep it up.

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  • author
    Mark
    Apr 11, 2022
    Professional

    Marcus are the most straightforward savings company you will ever deal with. Great website which works and now an excellent app. Good for POA managed accounts too. I feel comfortable dealing with them.

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  • author
    Jane Perry
    Apr 11, 2022
    They don't penalise loyal customers

    I've been with Marcus for easy access savings since they started. They don't always have the highest possible rate, but I like that they update it automatically for existing savers, without prioritising new clients or putting you through hoops to claim the latest rate. The website is clean and easy to use, I've never had to call anyone, it's hassle-free in my experience.

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  • author
    Joshua Satishram Osborn
    Apr 04, 2022
    Glad to be back

    Open this account for saving now have to use it as an savings account for emergency out of blue situation like tonight but my goal is to try and save as much money as possible.

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  • author
    DComedian
    Apr 04, 2022
    Excellent customer service

    I've been using Marcus since they first launched in the UK, and have kept my savings with them for most of this time, as they have usually offered amongst the best interest rates available. Transferring money in and out to/from a linked account has never been an issue. This weekend a transfer took longer than usual, and I phoned their customer service line, where Karen was very helpful and reassuring. Although a competitor is now offering a higher rate of interest, I would have no hesitation in going back to Marcus if they make their rates competitive again.

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  • author
    Organic Dad
    Apr 03, 2022
    Were good, now average

    Have used Marcus for a few years. They started competitive but have fallen behind others such as Atom and Chase. My main concern is transactions over a weekend take ages - we live in a digital age - I don't see this with my other online banks and this prevents me transacting how I want. Never had a need to call them. Losing 1 star for rates, and another star for slow weekend transfers.

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  • author
    Keiran Parker
    Mar 30, 2022
    Closed my account even though been with…

    Closed my account even though been with them 3 years, obviously wasn't enough of my own savings to benefit from interest... absolute disgrace of a company.... Go elsewhere or stick with the high street names. Fools

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  • author
    Ennyw M G-r
    Mar 24, 2022
    DELIBERATELY REFUSING TO RECOGNISE…

    DELIBERATELY REFUSING TO RECOGNISE CHANGED NOMINATED ACCOUNT FOR TRANSFERS. THEY CHANGE THEIR PROCEDURE EACH TIME TO MAKE IT IMPOSSIBLE TO ACCESS INVESTED FUNDS - INVESTEC PREFERRED. I have to say they have treated me with contempt. I told them I wanted to transfer £50000 which they refused for up to 7 days - My advice is not to consider Marcus - Frankly they are not fit to hold your money. If they delay my withdrawal I shall have to inform the Financial Ombudsman - Remember they are an American firm too. A SCUM SAVING COMPANY - SAGA IS IN THEIR COMMAND TOO - DOES GOLDMAN SACHS SAY ANYTHING TO MAKE YOU AVOID THEM ?

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  • author
    Meaghan Ryan
    Mar 18, 2022
    Poor customer service and restrictive use of the card

    I'm brand new to Marcus, as my GM card was transferred from Capital One to Marcus. They have declined recurring charges and I have to wait in excess of 40 minutes to speak with a representative, who is uninformed as to the company's policies. Looks like I'm in the market for a new credit card company!

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  • author
    Keith S
    Mar 13, 2022
    Rates are not competitive

    Taken my out and just left £1 in the account to keep it open. They have risen the rates slightly but still below many others so not worth keeping money in marcus.

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  • author
    Harry
    Mar 08, 2022
    Standards have dropped.

    Standards have dropped. Interest rates have not been updated. No support.

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  • author
    Keith
    Mar 08, 2022
    Worst customer service ever..

    Worst customer service ever... On hold for more than an hour. Have to call back numerous times because the customer service reps are incompetent to complete the job. I had Capital One. These people bought them out and now nothing but trouble. I have accumulated GM points that I am going to forfeit because I can't deal with this company. They call themselves "specialists". LMAO instead. I hope this company somehow falls in this economy. Applying for a new CC asap. Avoid this company. They blow!!!!!!!!

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  • author
    shaun
    Mar 04, 2022
    Blocked from accessing own money!

    Marcus will not allow me to access/transfer my own money! Ombudsman, legal action/police await!

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  • author
    Tom
    Mar 03, 2022
    Incompetent (or evil) at credit card transition

    This company took over my brand of credit card a few days ago. They require me to link my bank account so I can make payments, but my attempts to do so fail repeatedly on their website. They have extended the deadline for payments due, but I don't like cutting it close and I doubt they'll have their act together in time, anyway. I outlined my problem on a popular social media platform. Someone from the company then responded there that I should call their customer support line. But when I do so I am put on interminable hold with the same 13-second recording playing over and over in an obvious attempt to make callers hang up. And last time they just randomly disconnected me before I could get connected to anyone. If I were more paranoid, I would guess that they are attempting to single out card users like me who have amassed a large pile of "rewards" for this card and simply want me to cancel the card and leave. If their prevention of me paying my balance ends up impacting my credit score, a large lawsuit is headed their way.

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  • author
    PAC
    Feb 24, 2022
    Excellent, easy to use

    Excellent, easy to use. Responsive and helpful. There interest rate is down at the moment but they move money fir you instantly unlike other financial instituitions

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  • author
    Drew
    Feb 20, 2022
    Poor rates

    2 bank of England interest rise and rates not passed on. Bye Marcus !

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  • author
    Sarah
    Feb 18, 2022
    Responsive and easy to communicate

    The interest rate was great when I opened it! It has dramatically decreased but isn’t that the way at the moment! Their comms are great - whenever you need to call them they answer quickly and are great. So responsive and comprehensive and human. I highly recommend.

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  • author
    Doug
    Feb 03, 2022
    Not what it used to be

    Really gone downhill in many ways. Rates are much lower than others now. Biggest annoyance is raise in interest rates are not passed onto it savers.

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  • author
    Gavin Wood
    Jan 29, 2022
    Marcus by Goldman Sachs

    Excellent instant access account. Competitive interest rate. Excellent customer support.

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  • author
    Jorge Valvert
    Feb 24, 2022
    Account closed without any reason

    Account closed without any valid reason, my funds were retained indefinitely. It was more than a month since Goldman Sachs (Marcus) closed my account and after several customer service absurd long calls, I was not able to get my funds back. Please don't put your money there. UPDATE: After 3 months of waiting and several long calls , my funds were returned to my original account. Reasons for the account closure were never disclossed but actually not interested to know. There are a lot of better savings options in market.

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  • author
    Reinold Guzman
    Jan 06, 2022
    No Amortization Schedule? Hummm...

    - USA customer - They "don't have the capability" to provide an amortization schedule? that sounds super shady. I have taken loans before and all of that offer some kind of schedule to know how much you'll be paying every month towards your balance and how much towards your loan. That way you can see very transparently the current state of your loan and see in a glance how much you can save by paying off the loan early. The process of getting the loan is fairly smooth and the disbursement was super fast. But unfortunately won't be using them in the future because of the lack of transparency.

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  • author
    Ken Brady
    Dec 30, 2021
    Very happy with this Bank

    I have a savings account and ISA with Marcus both delivering good and competitive interest rates along with fast transaction times which often appears on my statement within minutes of posting a transaction. Along with excellent customer services I would highly recommend this bank always easy to speak to if needed. Very happy with this bank

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  • author
    Charlotte
    Dec 29, 2021
    Great company - but no longer competitive easy-access savings account

    I've used Marcus for about 3 years now after I received an inheritance and researched Martin Lewis' advice about savings. It's been a pleasure tbh, all my family use Marcus now as well. The website is nice looking and easy to use. More recently I've started using the app too which makes it even easier using Face ID. The transferral of funds is always very speedy. I made a big transfer today for a house purchase and the money literally arrived in my bank account within minutes. What's particularly impressive about Marcus is their excellent standard of customer service. They honestly have the most professional, courteous and well-spoken people on the other side of the phone that we've ever had! As opposed to the miserable, mumbling, aggravating responses you usually get from customer call teams lol. I have to knock a star off because they are no longer competitive for easy access savings... which is the main reason I went with them in the first place 3 years ago. Will have to shop around again if they don't improve the interest rate soon, but I'll be sad to leave them because this is a great company.

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  • author
    customer
    Dec 16, 2021
    Great savings account

    Really easy to set up and manage your account. The app and websites are great, nice and straightforward, and easy to use. Interest rates aren't bad either!

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  • author
    Rob L
    Mar 23, 2022
    Total waste of time.

    We got my fiancé approved on Marcus Pay for a JetBlue flight but there's no way to actually use Marcus Pay to purchase. The site won't ever connect back to JetBlue, it just keeps asking us to do another application when we choose Marcus Pay to pay for the flight. That's not the real problem. We then called two different Marcus customer service numbers, on one, the recording stated "no one can help at this time" and disconnected us. On the other it went into a busy signal and we hung up. We wasted an hour, what terrible customer service and overall bad experience.

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  • author
    Dan
    Nov 13, 2021
    Opening account was nice and straight…

    Opening account was nice and straight forward. All my money was spread across multiple savings accounts paying next to nothing in interest and I've been pretty lazy seeking out a better rate until now. Account was active within minutes with no issues. I've given 4 stars because although the account security means you can only withdraw to a single nominated current account, I'm not a fan of simply email and password for bank logins. Banks like Natwest and First Direct use a user ID and the random password character selection along with their apps for better security. In this day and age I think clients should have the option to use 2FA, perhaps using Duo app for better security to login.

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  • author
    Gavin Wood
    Nov 02, 2021
    Marcus by Goldman Sachs

    Excellent instant access savings account with competitive interest rate.

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  • author
    Christopher Chua
    Oct 30, 2021
    Don't have any problem with this bank

    Don't have any problem with this bank. Very straightforward layout with the app. It's truly a different experience compared to a lot of traditional banks, maybe because they specialise in savings products.

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  • author
    Richard
    Oct 17, 2021
    Excellent app and swift transfer of…

    Excellent app and swift transfer of funds. Ideal easy access option. A shame they don’t offer competitive one year bonds any more

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  • author
    Richard
    Oct 06, 2021
    Opened an Easy Access online account

    Opened an Easy Access online account Very easy to navigate and set up. Just an email verification with a password. Non of this “my voice if my password “ or “memorable place “ stuff. The phone app is also superbly simple. You may say lacking in some functionality but that suits me. Funds transferred from my designated account appeared instantly Initial impressions are very good indeed.

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  • author
    Ahmad Abdur Rehman
    Sep 24, 2021
    Takes too long for the funds to be available

    If someone transfers you funds from another bank, the funds will become available after 5 business days (haven't ever experienced this long funds holding time). So, in case you have an emergency, you'll not be able to use the funds. Disappointed and going to close my account.

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  • author
    Pilot
    Sep 21, 2021
    Top rating for this excellent bank

    I am extremely pleased with Marcus by Goldman Sachs, their service is second to none. Their staff are well trained, highly professional and display high product knowledge. The site is very well thought out and transfers are completed in record time. A pleasure to do buisiness with.

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  • author
    Xantilor
    Aug 31, 2021
    Right now Marcus gives one of the best…

    Right now Marcus gives one of the best easy access interest rates. The website is a model of clarity and very easy to use. When they emailed me about a bonus rate, three clicks and I'd got it.

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  • author
    Robert How
    Aug 27, 2021
    Great service

    Great service, simple to set up, easy to make transfers, even better now they have an app. Marcus had one of the best instant access savings accounts for quite while but no longer do - if they made their interest rate a little better they'd certainly beat other providers.

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  • author
    Lindsay
    Aug 20, 2021
    Nothing but praise for Marcus

    The Marcus online savings account I've had for a while has been excellent. It was extremely easy to set up online, has worked perfectly since and they even contacted me when they were increasing their interest rate to see if I wanted to take advantage of the higher rate. No other financial institutions have ever done that. Well done Marcus!!

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  • author
    Lindy Stickland
    Aug 17, 2021
    Excellent service

    Excellent service. The App is very efficient. I feel in safe hands. Was recommended to this company and glad I was. I feel in more financial control using this app.

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  • author
    Alexa
    Aug 13, 2021
    Tried applying for loan but wasn't…

    Tried applying for loan but wasn't given because they calimed I was unemployed at that time. If not for Mandixloan dot com whom someone recommended to me, I would probably have not been able to continue my business and would be broke. Under no circumstances will I advice anybody to use this site to get a loan.

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  • author
    Alison
    Aug 08, 2021
    No customer service

    My savings account was temporarily locked. Extremely frustrating that the only way to unlock it is to call them during office hours Monday to Friday. Not great when you are wanting access to your own money on a saturday morning. Surely for a big successful bank there must be another solution to this.

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  • author
    Paul
    Jul 27, 2021
    Very happy with Marcus Savings Account

    I've been with Marcus since their UK startup and have had no issues at all. Ok their website is at best minimalistic but their saving account rates are among the best.

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  • author
    Blueisthecolour
    Jul 09, 2021
    Inadequate Bereavement Processes

    Marcus' processes for managing bereavement are inadequate and their responses during a very long complaint process were unsatisfactory and inconsistent. I will be closing my own account with Marcus as I want nothing to do with this organisation. Under no circumstances do I want my next of kin to have to deal with Goldman Sachs.

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  • author
    sarah jackson
    Jul 08, 2021
    Ok so when I first opened an account…

    Ok so when I first opened an account their interest rates were much higher …they have dropped considerably . BUT they have just upped it a little , and are now the best rate for instant access account . They are just following the Bank of England rate . The thing that is good about Marcus is the customer service . It’s excellent . Their staff are really helpful and you aren’t kept on hold for ages pressing lots of buttons followed by the hash key . They answer pretty much straight away !!

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  • author
    A happy biker . . .
    Jul 03, 2021
    Voluntary offer from Marcus to increase our Savings Rates.

    We've just received emails advising us that we can increase our Saving's Interest Rate. This may be by only 0.1% but it's much better than ANY other Bank out there has offered . . . in fact they have offered NOTHING. We both like Marcus and will be looking to save more with them rather than the 'other' so called caring banks.

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  • author
    Stuart Milne
    Jun 30, 2021
    Totally inept don't know how they get…

    Totally inept don't know how they get away with controlled fraud basically?

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  • author
    Michael
    Jun 29, 2021
    Marcus is great.. I'm surprised to read negative reviews…

    I'm surprised to read negative reviews about Marcus. Obviously the interest rate has dropped..it has everywhere..but l have always found the Customer Service to be superb.. Efficient , courteous and very quick to answer the phone. The account is so easy to use..simple and clear..it's like an object lesson in how to do it. I love Marcus..really don't understand any negativity towards it.

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  • author
    DarrenM
    Jun 29, 2021
    Poor rates

    We had a marcus account but have now moved our money out. Rates are in Marcus are some of the lowest around currently . We found some much better deals.

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  • author
    Mick Bennett
    Jun 07, 2021
    Bye Bye Marcus

    Awful customer service! All we wanted to do was change the linked account - previously not a problem - now hoop after hoop to jump through for less than half a percent interest. Bye Bye Marcus.

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  • author
    Kirsty Greenhow
    May 22, 2021
    Marcus by Goldman Sachs bank have been…

    Marcus by Goldman Sachs bank have been amazing. I have had an on going issue with another payment provider which resulted in my money being bounced back and "go missing" and the customer service at MGS have been nothing but helpful!! Really going out their way to help me retrieve this money which is not even their fault. Makes me feel a real sense of trust between them and my money. Great service!!

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  • author
    Mick, Newcastle England
    May 14, 2021
    No problems easy to use

    Been with Marcus for a year now, found the account was very easy to open. Opened Easy Access and a Fixed 1 year policy. Rates were good at the time, but the current climate reflects low interest. Found the web site easy to access, and very easy to navigate and layout is very simple to use. Easy to top up funds and withdrawn them when required. Follow up with TXT and e-mail for information. Never had to contact by phone, but no complaints

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  • author
    Mike Daniels
    Apr 12, 2021
    Marcus you used to be so good

    Marcus you used to be so good. In every respect. And although you still say I can deposit money through my linked account. That is inaccurate,out of date,total rubbish. You should be ashamed at your incompetence to keep your website up to date, I tried to deposit money by cheque. Refused. I spoke to Daniel at Worthing. Apparently I had entered the wrong bank titel Was I told? No just returned my cheque without explanation. Currently I get locked out if I try to deposit money from bank account although allegedly I appear to be following correct procedure. This is an offiicial complaint about Marcus and Goldman Sachs International Bany. Who are the parent company. Thoroughly appalled Angry and disappointed

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  • author
    Pauline
    Apr 06, 2021
    Awful...supposedly an online access…

    Awful...supposedly an online access bank with a rubbish website, really not to uk standards. Terrible customer service, poor communication and they don't even know how to manage an isa..don't touch with a barge pole

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  • author
    Mrs Angie Gregory
    Mar 18, 2021
    Customer service excellent

    Customer service excellent! Phone answered quickly and query dealt with efficiently. Shame the interest rate is dropping. Would have liked to keep using.

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  • author
    Leo Cossham
    Mar 04, 2021
    Straightforward and user friendly…

    Straightforward and user friendly website. Better rates than any other high street bank for savings accounts as far as I can tell. No queue times when calling them and friendly customer service.

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  • author
    Jesse Greif
    Feb 25, 2021
    It is important that you note that I am…

    It is important that you note that I am no longer with Goldman Sachs, but Marcus is a fantastic product regardless. Ease of transaction is a key attraction point for clients.

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  • author
    Connor
    Feb 03, 2021
    Brilliant customer service

    I wanted to say thank you for some really great customer service through a difficult recent issue. The level of support was really appreciated.

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  • author
    Jakub
    Feb 03, 2021
    Very happy about the service!

    So far, I am very satisfied about the service provided. Since I have opened my account in May '20 there was no issues with money transferring to or withdrawing from the account. The interest rate is good, comparing to the other providers' offers it is very competitive. The platform's clear and simple design is also very user friendly. 5 stars for Marcus, keep up the good work!

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  • author
    Roger Crudgington
    Jan 22, 2021
    Great Customer Servce

    I have recently phoned Marcus Bank regarding a request on my Bank Account Can I congratulate the customer service representative called Alberto He when out of his way to show me how to deal with my request , he was efficient , effective, polite and highly effective a great asset you your company The phone call was answered immediately Unlike most companies today who take ages to answer the phone ask you to enter many numbers and then tell you they can’t answer your query and to contact the chat line or send N email Congratulations to Marcus Bank for great customer service

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  • author
    Steve
    Jan 21, 2021
    Can't access their website outside the UK

    Since the 1 January 2021 I can't access their website or my account because I am outside the UK. Had no warning they were going to deny me access to their website and had no problems last year accessing their website even though I was outside the UK. Even using a VPN connected to the UK still can't access my savings account with them. Raised a complaint and their IT dept said there was nothing they could do. How unhelpful is that. Too bad for anybody who is abroad and wants access to their money.

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  • author
    Nina Thornhill
    Dec 30, 2020
    Super helpful service

    The Marcus savings account is very easy to use on-line and still offers a reasonable rate. They dropped the rate recently, but not as quickly as other banks have done. I had a problem with a lost payment (Marcus sent it to NS&I, NS&I could not track it). The Marcus phone services was superb. The call was answered immediately every time. The agent Jo emailed me detailed information about the transaction, and this information enabled NS&I to locate the lost payment. Very happy now!

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  • author
    Chris Marsden
    Dec 29, 2020
    Excellent service and fair returns

    Excellent service and fair returns. Very happy to continue banking with this company. Very Easy to use. Transfers back to my bank fairly quick. Depositing quick and easy.

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  • author
    Fran
    Dec 03, 2020
    No frills, well-functioning platform.

    Had to make a large transfer right before a house purchase - so the timing was crucial - and it could be done easily and quickly over the phone. Having struggled to do the same with my main bank (and having had to visit a branch to do so), the experience with Marcus was much swifter.

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  • author
    Wayne Hazen
    Dec 03, 2020
    My CD came due and I asked that the…

    My CD came due and I asked that the funds be deposited back into my external account. I thought it was done until I did not receive the funds. It took 57 minutes on the phone for them to finally fix it. Many years dealing with Marcus and I can assure you they have no clue in customer service. Terrible customer service

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  • author
    David Caton
    Dec 03, 2020
    Providing No Service to Bolster Profits

    Horrendous customer service. No electronic banking service, so paying off the loan requires a mail in check, so they they can suck you for another 7-10 business days of interest. My loan payoff check through escrow was cashed by them and 3 weeks later they were still charging interest and dinged my checking account for another payment. Then when you present the evidence, you can’t even email them a copy of the cashed check to add to your complaint file. Are you freaking kidding me?!?!

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  • author
    Dr Alan Moore
    Dec 02, 2020
    Pretty good

    Pretty good. The website is easy to use, maybe too easy, and perhaps not the most secure. Interest rate was originally good, but is now falling, but times are hard in the pandemic. I have no complaints, but I probably won't invest any more.

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  • author
    Gillian
    Nov 27, 2020
    Smooth, problem free banking

    I opened a Marcus savings account 14 months ago when their rates were very competitive. I move my money regularly, following the best rates. Although I’ve recently moved my savings out, due to a sharp decline in the percentage rate, I was entirely happy with Marcus for the duration I held my account with them. Transactions were quick and smooth and I never had cause to query anything. I would definitely return to them if their rates become competitive again. There is little point complaining about declining interest rates, that is down to the economy and not the fault of individual banks. The answer is to frequently check rates and move money. Currently, all rates are very poor. I haven’t awarded the full five stars due to Marcus’s current interest rate not being up with the best, but as far as service goes, five stars are deserved.

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  • author
    Stewart OBrien
    Nov 26, 2020
    Thanks I have had no problems with…

    Thanks I have had no problems with access but not sure with the constant interest revisions why this bank feels this is a good deal. Unless u have nothing better to do with your money suggest that paying into your mortgage is a better bet at the moment . I feel that the account has no frills and quite frankly can see the point of it overall my impression is that banks like this think ordinary people cant see the obvious

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  • author
    Sophia
    Nov 25, 2020
    Worst bank account I have ever had

    Worst bank account I have ever had - locked out of my account 3 times in 3 months with no explanation. Had to spend an hour on the phone each time to regain access. AVOID!

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  • author
    George
    Nov 09, 2020
    Good Quick customer service!

    Went to Marcus when they were the top paying instant access account . Have recently had to contact customer services . The call was answered quickly by a very pleasant lady who advised that systems were not updated immediately ,unfortunetly I cannot remember her name .This was my first telephone contact and it raised my opinion of the bank. The details were updated shortly just like she said .Played one won one.

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  • author
    Manuel Aranda
    Nov 10, 2020
    “Goldman Sachs, you are only as strong as your least effective team member! “ P.S- Brian, wants a different job!”

    True star rating: 0 zero Footnote for the reviewing audience: I will begin by saying, I mention Apple in this review quite a bit , as it was a collective effort in inconsistency and ineptitude of both companies. I purchased from Apple, A Mac, and only 2 months ago. Up until the point of applying for and receiving the Apple cc, furnished by Goldman Sachs, has been a very negative experience and a slap in the face as a loyal customer of Apple. This was a wake up call as to how little regard most of the a GS & Apple support specialists, have for their customers, Particularly it’s financial partner, Goldman Sachs, and their Customer service, with special emphasis on the upper levels of Financial Assistance, Brian, whom absolutely lacks even the most general skill set in terms of an appropriate treatment of his customers. No attempt to convey even the slightest bit of concern, that is to say, he had very little to none. I was taken back by his indifferent and rude disposition and more surprised by his inability to understand even the basics in terms of the ability to show a basic sense of courtesy, and even more shocking given his at his level position in the company. Unbelievable. Then, as if his insufferable position wasn’t bad enough, he ended the call by hanging up on me. I just sat back and thought one word to myself:, WOW. It is really sad. These reviews and feedback and others like it will be ignored at their detriment. Because eventually, all of us will need Customer Support, at some point, and if you do, and with either of these two companies, you will most likely will be disappointed. I only needed a little respect, but no, it was out of Brian’s reach to provide it. This, after I posed one simple question to the Apple Card & GS specialists who, because they were short considerably on account knowledge, eventually became frustrated and took those shortcomings out on me in their treatment of me. Apparently this ineptitude did not limit itself at the customer care level, but runs through to the sales department as well. My Apple Card was showing a new open balance on the cc account balance of $3557 and this inaccurate balance was reported to the CREDIT BUREAUS! This is outrageous, I never had a spending balance in that sum. I monitor my credit scores closely and when I received a drop in score of 40 - 50 points, all due to the sales dept at Apples inability to balance a customers account without negatively, adversely, subjecting, ones account to the credit bureaus, during their posting sessions. Unauthorized, postings to my account, credits and debits over a 3 week period that left my account with a hanging balance of nearly $3600. My accounts accurate total was only $141.50, 1st of 12 payments over 1 year totaling only $1699. Are they aware of what that sudden, reporting in that sum does to a credit score? I maintain a 1 % of spending total monthly, of my 7-8 credit cards, and this large sum appears negatively on my credit score. Their breach of services which very negatively reflected against my account, sent my Fico score descending 40 points or so! They have a big problem here, as I am in the middle of scouting a place to live. My score went from 732 to 691 that’s from very good to fair. They will correct this in a court or another way, BUT I NEED TO BE MADE WHOLE. These unwarranted numerous postings to my account have adversely effected me. Ultimately, this terrible oversight has destroyed what took me nearly 10 years to build, in terms of a good credit score. After some research, the FCRA ( The fair credit reporting act ) states, I can bring claims on them for a false reporting that caused damages to my credit score, effecting my ability to gain a better interest rate and nicer place to live. This is a serious matter, Sections: 604 (A)(3) 607 611 and 616 of the FCRA, some of the violations they breached. I was hoping not to go down this route but as all of my efforts to settle this issue were exhausted, seems I have no other choice. This negative experience made all the more stressful and worse by an ongoing string of inconsistent statements and ultimately their inability to effectively assist by a number of customer account specialists. Where ultimately, no one, including supervisors, managers and even Goldman Sachs financial executive level personnel, were unsuccessful to resolve my account issues. The only benefit about the card, is literally, it’s medal materials it’s made of, otherwise, it’s a terrible experience. This is my honest experience. Before this experience, I was a loyal customer of Apple products but their customer service specialists and that of Goldman Sachs customer services, have left a sour taste behind. I believe this will hurt the Apple brand, and their reputation.

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  • author
    Richie
    Oct 20, 2020
    Started off okay with decent interest…

    Started off okay with decent interest rates but the problems started when I got stuck outside the UK due to the Chinese flu. Kept getting locked out of my account and had to call customer services to get it unlocked. This might okay if you are in the UK but incurs high call charges from abroad. It appears that if you are outside of the UK you can not recieve an OTP. Now I thought being an online account meant you can manage it online from anywhere.But obviously not with this bank.I have no problem receiving an OTP from any other bank.

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  • author
    Stuart
    Oct 03, 2020
    Excellent

    I've had an online savings account (not currently available for new customers) with them for just over two years, and they've been excellent. Simple to use, quick withdrawals, and even though the rate keeps going down, it's still a lot better than anything I can see anywhere else.

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