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Marcus Review

Reviews 271
Marcus
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Marcus
Marcus
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Reviews 271
Michael Dinich
May. 17, 2021
4 min read
Michael Dinich
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 by
Michael 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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Marcus
Average
Reviews 271
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Excellent
44%
Great
7%
Average
6%
Poor
6%
Bad
37%
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dawn grudziak
19 days ago
Excellent savings account
I opened this account almost 2 years ago and have to say the APP is so easy to use and Marcus are excellent and speedy at raising the interest rates on savings. Transfers and withdrawals really could not be any simpler and for someone who is not that tech savvy, I am very pleased with everything about this account.
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tarquin
11 days ago
No electronic cash ISA transfer
Unlike most banks, you cannot transfer your cash ISA out electronically - you have to fill out and post a paper form. I omitted my national insurance number (doh!). They then refused to accept my confirmation NI number over the telephone (even though I had completed their security checks). They said that I would have to comjplete a whole new form and send it in again. Terrible customer service (although polite). Feels like the Hotel California - My money can check-out but it can never leave...
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julian mercik
a month ago
Immediate access to easy access savings
I have an instant access savings account with Marcus. I find the website easy to use, the interest rates are fine and when withdrawing funds to my current account in another bank - the funds arrive...immediately! Thank you and well done, Marcus!
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kson
a month ago
Opened a High Yield Savings account and…
Opened a High Yield Savings account and was enrolled in their promotional offers including higher APY % and $100 sign-on bonus for maintaining an account balance of $10,000 for 90 days. Met the requirements and Marcus refused to credit my account with the $100 stating that I did not enroll properly, despite acknowledging my call in February ‘23 to ensure I had properly enrolled into the promo offers as described. Given my experience, I will be filing a complaint with the BBB. I recommend finding a better HYSA option than Marcus given their dishonesty.
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mr john turner
a month ago
Good interest rate
Good interest rate, regularly updated. Easy to use
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rs
2 months ago
Good rates and easy to set up / use the…
Good rates and easy to set up / use the app. I have an ISA with them and a savings account and I like both. But they’re a bit too paranoid about security that you’d think my account is top secret given the numbers of steps and days it takes to change any linked account. They have to modernise to be in the 21st century’s instant money movement.
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peixin zhao
2 months ago
Lock account without prior notice
Lock account without prior notice and lying to customer!!! I filed some complaints on BBB. The bank replied and said on 08/10 they will close my account and transfer my money but didn't receive my call backs on Aug 8 and Aug 9 so they cannot proceed. However, this is not the truth. The bank is lying to customers. I did receive emails regarding calling back to the bank, and I called back. On Aug 8, someone claimed to be a supervisor refused to close my account and denied the fact that I have requested to change my address in my previous calls. However, on 06/21, I have requested to send AOI to my new address. I told her I reached an agreement with the bank to close my account on 08/04, and I even agreed to the verbal statements of closing account. But she still rejected the facts. 08/09, I called again, a Rachel in fraud department answered my call. Rachel refused to tell me anything regarding my account (including when will the AOI be sent out) and also rejected to look into my issue. I made zero progress in this call too. The bank is not resolving my issue as they said!!! I did call back but none of the people answered the phone proceeded to close my account, which is in the contrary to their replies on BBB. They are lying!!!! I've attached my records of calling the bank on 08/08 and 08/09.
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martin rispin
2 months ago
Marcus by Goldman Sachs (in UK) online…
Marcus by Goldman Sachs (in UK) online savings account is superior to any mainstream high street bank both in it's efficiency and in the frequent updates to interest rates. On the odd occasion things go slightly wrong the telephone help desk is highly proficient. My only negative comments are that the website needs the facility to view inputted password and that it would be useful if the account could be linked to an additional UK bank account.
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peixin zhao
2 months ago
Lock account and took months to unlock
My Marcus saving account was locked on 06/20/2023 when I tried to transfer money from Marcus to my Chase account under my name. I have a total of 13k in the saving account. It is not my responsibility to verify one of my financial institutions - when I link the Chase account to Marcus or when I transfer money in Marcus, they have verified my identity. Until 08/08, I wasted 10+ hours on phone but got 0 progress on unlocking account. They even agreed to transfer the funds out of account but then denied it several days later.
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holly
2 months ago
DO NOT USE MARCUS CREDIT CARDS!
I would give them 0 stars if I could. I was planning on using their credit card while in Europe because they are one card that uses email along with SMS to confirm things - and SMS to a US phone doesn't work overseas! I called them and let them know where I was, and they flagged and locked my account anyway when I tried to use it to by train tickets. Left me high and dry with no card overseas. Totally useless. DO NOT USE!
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eugene matvejev
2 months ago
from such big name you would expect all-rounded-product
from such a big name, you would expect some decent service in ISA. I had ISA with Marcus, it took me half a year or so to transfer out, for whatever reason, it wasn't good, at some point I had to call both banks and make them talk. on top of that, Marcus seems to make so much fuss about advertisement - and ISA even if you want to move to them they do not accept transfers in. if you have ISA with them, their ISAs are not 'flexible'. their ISA relatively good rate, but not market-leading they have an app, unlike other investment bank-backed products, so this is good. they process payments relatively quickly which is good as well. however, not being able to transfer ISA in, is very very strange. but they rate now behind .3-.5% of the market leader, I only hold there like 1 GBP or so, to keep it open, in the hope they will be back on the market with something very good,
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franck b
2 months ago
Very bad customer experience : Don't recommend it !
I'm having VERY VERY BAD customer experience with Marcus by Goldman & Sachs. I'm very disappointed by Marcus. Moreover, their current saving Interest rate is 4.07% which is not the best for US Online Banks. 1 year ago, I moved my savings accounts to Marcus. Last week, I tried to pay my daughters' tuition fees and to link my Wise account (available on their system as instant link). Marcus refused to link Wise and put some restrictions on my account. I called them ; they asked me to disable my wise account from my interface in order to remove any restrictions. For linking, they requested some papers to be sent to their PO box. They did remove the external account but they DID NOT REMOVE the restrictions and are still blocking any use of my savings accounts. For info, I successfully linked my wise account with Bank of America. No problem like the ones I'm getting with Marcus ! For information, supervisor are not accessible. They are supposed to call you back within 1-3 business days but they don't. On July 19, I asked to be contacted by a supervisor. On July 24th, NO SUPERVISOR EVER CALLED ME ! Nobody called in fact. Now they're refusing to chat with me due to this restrictions, and ask me to call them every time. When I'm calling, they're very confuse? They are telling they do not support quickPay (common service used by Umass and MA Tax)... I am now thinking of closing my accounts with them ! There is no transcripts of the chats, no email confirmation of what they're saying. I suggest to anybody to record any call done to Marcus.
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michelle brian
3 months ago
Idk why I’m seeing such poor reviews
Idk why I’m seeing such poor reviews of Marcus. I personally love Marcus because it has a very very high APY% for its savings account. I have many savings accounts and this is the one that always increases first. Definitely worth it if you want to use it as a savings account.
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mike
3 months ago
marcus is the worst credit company
marcus is the worst credit company marcus is the worst credit company. stay away! do not engeage. they offer NO HELP or support. website poorly designed, cant reach a human (hide the chat button).
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marjorie jack
3 months ago
My honest review of Marcus …
I have an easy access savings account with Marcus. I found the account easy to open, the interest rate is pretty decent. When I withdraw I receive the money into my bank account immediately. Would highly recommend.
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john m
3 months ago
My experience is very good
My experience is very good. I've had an account for about 5 years and it's easy to use. Transfers go through smoothly, the interest rate for an easy access account is perfectly fair, and they answer the phone very quickly.
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gordon
3 months ago
Treat your Marcus account like a CD or…
Treat your Marcus account like a CD or retirement acct. Do not treat this acct like an actual savings acct. If you need to transfer or wire money to external accts do so well in advance (greater than 1 week). Attempted to wire money into an escrow acct for a down payment for a home. Took 4 days and 10hrs on the phone with multiple representatives who all had different courses of actions I should take.
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sara strangl
3 months ago
Worse than horrific, stressful, nightmare
They locked my entire account and resfuse to unlock it, without a reason. As simple as that. All my money is in that account, what is this nonsense?
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philisyourman
3 months ago
Decent rate for instant access
Very decent interest rate, but not the best. Easy to use app and true instant access. Very helpful customer support staff, but unavailable at weekends. Still pretty happy though.
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dywttmu
3 months ago
RATES RISE QUICKLY
RATES RISE QUICKLY. NO PROBLEMS . U.K BANKS SHOULD LEARN FROM THIS...
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julia rossman
3 months ago
Savings Account Locked.
Savings Account Locked. My savings account has been locked for 2 weeks. Customer service gives me a 3+ business day call back time each time I call. I was not notified of the lock and was never given a reason for it. The account has been locked for 15 days today and I submitted a notarized affidavit 7 days ago. Edit: My account was unlocked 20 days after the lock. No illegitimate activity occurred on my account; the reason for the lock was a transfer I made to an outside bank account that I had made two times prior. Unacceptable.
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lynne sweeney
4 months ago
Christalla went above the call of duty…
Christalla went above the call of duty and could not have done it on my own as I was diagnosed with a Brain Tumor . Christalla was patient , understanding and nothing was too much trouble.
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david
4 months ago
They claim to use faster payments more like slower payments
They say they do faster payments but where as other faster payments go into your account immediately Marcus seems to occasionally take a very long time and I have been waiting over 40 mins on this occasion for something that should be instant especially as it is a working day around 2pm. Therefore it is not faster payments so I will take my money elsewhere.
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hugh g rection
4 months ago
love marcus
Fricken love marcus, clapped a hostage
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emily h.
5 months ago
I’ve really liked having my money in my…
I’ve really liked having my money in my Marcus account. It’s safe and easy to use. My only negative is the rates have been a little inferior to alternative savings accounts BUT the experience is great.
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ricky ricardo
5 months ago
The website and app looks nice
The website and app looks nice, but one would think with their name, it would over a better Interest Rate and APY than it does compared to other banks. For instance, Newtek Bank, Primis Bank and even Lending Club offers a much better interest rate than Macrus by Goldman Sachs does. With such a trusted name, gives so little to the people who save money with them .
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elizabeth
5 months ago
The app doesn't work
Unable to access account via app or computer. Have had to resort to telephone calls to complete transactions recently. Not good enough.
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ian thomson
5 months ago
Total rogue entity. They should be closed down NOW!
I wasted time phoning and getting the run around trying to close my accounts so I enrolled the help of Consumer Financial Protection Bureau. They were fantastic and Marcus assured everyone that my accounts would be closed and monies refunded. My bank cannot clear the checks as “the clearing bank as the clearing bank states there is a “MISMATCH ROUTING NUMBER”!!, Yet another ploy by Marcus by Goldman Sachs to hold my money. Disgraceful!!!!
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greg marlowe
5 months ago
Without doubt consistently and over…
Without doubt consistently and over many years running THE worst customer service ever experienced from a bank. And here I'll not expend the time to recount several other of this bank's administrative deficiencies. Rather at this particular juncture I'll reference only the most recent example of a client REPEATEDLY unable to have Marcus Bank fulfill even a very simple task, including having first written to an address in Utah, followed by having twice during phone calls having received assurances of prompt forthcoming action which also NEVER eventuated. The documented record as as follows. One, in a letter dated 1-19-23 I asked that I be sent written confirmation of the identified change of beneficiary status for my accounts. Nary a reply. Two, I phoned on 2-21-23 and again requested such a letter, and in turn was told the solicitation would be fulfilled. Never happened. Third, again by phone on 3-14-23 representative declared the needed missive would be posted immediately. Also has never transpired. Gee, is it any wonder that the entire Marcus operation--meaning not just the bank portion, but its collective divisions last year lost well more than$1 BILLION?
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elle b
5 months ago
Surprised about other reviews
I am really surprised about the other reviews. I've been saving with Marcus for about 4 years - in that time I have grown the amount substantially (transferring each month), then taken a large portion out to pay for the house deposit, which required me to call them to instruct the transaction, it all went very smoothly. I then had to ask them to provide letters for proof as requested by the solicitors for the house purchase etc - all done without any issues at all. I have always been very happy. Any transfers I make back to my main account are pretty instantaneous too. All in all, one very happy customer. Except that their interest rates are now not the top of the game!
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geraldine
5 months ago
Online service is screwed up
Tried to open a CD online as their rates are the best. They said they sent me a 6 digit code to continue. No code came despite 4 requests. (Not in spam, not anywhere. )They told me to wait 30mins. I waited over two hours but no code came. It said my account was locked. I called back five times. Each time got confusing and confused 'specialist'. I gave up at that point and went to another place for the CD.
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dmg
5 months ago
It’s as bad as the other reviews say
As per other reviews on here. Too difficult to get your money out. ISA transfer process is manual/by post/by cheque. Obviously, it’s deliberate that they haven’t moved to electronic transfer and payment. They clearly have little care and protection for the customer. Too slow to raise rates with base rate increase and you have to manually opt into the bonus. Used to be able to transfer larger sums of money in a day, but they go rid of that feature too. There are better companies with better rates who are easier to do business with. Go elsewhere because when you realise you are not getting a good deal, it’s too hard to get your money out.
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neil
5 months ago
Marcus does not allow electronic transfer out of your ISA to another ISA provider
In the 21st century, it is incredible how many banks do not allow electronic transfer of ISAs from one bank to another! Marcus is one such bank. They are very happy to accept your funds electronically when you open an ISA. This means that the entire application process is completed online electronically without having to complete a paper based form and having to post it. Once your ISA is open and you wish to move your ISA to another provider, as you complete the online application for your new provider, you will asked to provide the details of your current ISA provider and the account details. At this point you find out that Marcus is not on the list. When you contact them, they inform you that they are not part of the scheme that allows electronic transfer of ISAs. This means that you have to complete a paper form from your new provider and take it to their local branch or put it in the post. This process is a long drawn out process whereby the new provider posts your completed form to Marcus. Marcus then issues a cheque with your ISA funds and sends it by post to your new provider. Imagine all the data protection and security issues associated with such an unnecessarily lengthy process and the amount of time it takes to do an ISA transfer. I raised a complaint with Marcus to ask why they do not mention when I apply for an ISA that they will not allow it to be transferred electronically when I wish to move to a new provide. Apparently this information is there somewhere in its FAQs. I asked if they would place that information somewhere where it is easily visible at the time of application. I was told that they would only do it if they had enough complaints about it! In short, they cannot be asked to do anything about it. It is not a long stretch to imagine that such a poor process is deliberately designed to hold on to your funds for as long as possible! In summary don't waste your time opening an ISA with Marcus if you want to be able to transfer your ISA to a new provider quickly and easily!
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mick h
6 months ago
Holding funds after Death...
A family member died in December and as executor of the will I needed access to the funds to cover various costs. Marcus will not allow funds to be released if over 20k without a probate certificate......which takes 3-6 months so useless having the funds with them. All other banks were happy with death certificate and copy of will in order to release funds. Appalling service from Marcus plus to top it all it takes 18 minutes plus for someone to answer the phone. I'll be avoiding them in future.
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henry
6 months ago
I thought it was brilliant until I was…
I thought it was brilliant until I was abroad, not only can I not access my account I can’t even access anything to do with their website. I am abroad for about 3 months, please can someone contact me and tell me how I can access my account 😡
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anonymous
6 months ago
Don't let the high interest lure you.
They make it so easy to deposit, but place a lot of obstacles for you to gain access to your own money. Since the online platform is limited, you reach out to speak to a rep. Very frustrating so when you call, they tell you need to refer to a "back office" person. Takes a great amount of your time, only to end the call with your issue unresolved.
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jon b
6 months ago
Simple
Simple, easy to use App. A little frustrating that the bonus rate needs to be applied for - why isn't this simply included in the rate so nobody misses out?
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shaun clarke
6 months ago
Fantastic Telephone Support
Had to call to get account details, not only was the guidance clear on your app as to what I can do but Roger on your phone lines clearly and concisely went through the step by step process. Fantastic service
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david nicholson
6 months ago
Don't bother trying to withdraw at the weekend
No problem putting money in but god help anyone trying to withdraw over the weekend. It all looks fine however doesn't appear in your linked account until the next working day. Waste of time and my money will be moved out next week.
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adam
7 months ago
Very disappointing indeed
Used to be good, and I happily kept my money there for many years. However, the interest rate is currently a woeful 2.4%, where my bank offers 3.5%! So, Marcus, you snooze you lose, I moved all my money out and won't use you again until you pull your finger out and offer something half decent.
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alice garcia
7 months ago
Can't get your money out once you put it in there
I had opened a money market savings account well over a year ago and never had any trouble putting money in. This week, I had to make two transfers out in order to pay my taxes and they locked my account. After sitting on hold for well over 30 minutes on two separate occasions, I am still unable to get MY $80,000 out of MY account.
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tim
7 months ago
US citizen with account opened in US
US citizen with account opened in US. Travel all the time. Can't login to accounts while overseas. Just stupid
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debbie c
7 months ago
Terrible company
Terrible company! So easy to deposit but almost impossible to transfer out to a land bank. I’ve read this in many reviews now that I’m having trouble. Customer Service rep can’t help. Only back office knows what they are doing and no communication with them. Every time I call - someone will get back with me in 1 to 3 business days. We are going on 7 days and my online log in shows my accounts closed but they haven’t wired the money and no one will return my call. This bank is a scam of a company.
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peter carlson
7 months ago
Good rates but lousy service
I've had a Marcus account for about a year, and I've had to contact customer service on a few occasions. Most recently it was due to an error message while in the middle of an online transfer - this is a common problem. It's always the same story: indifferent (bordering on hostile) customer service reps who don't even bother to listen to me as I explain my issue. They talk over me, the phone connections are so bad I often wonder if they can even hear me, and in general, treat me as if I am an annoyance they are only too eager to be rid of. They have never resolved an issue for me, and I always end up waiting a few days and then checking both my Marcus account and my bank account to see if I have to initiate the transfer again. I understand that for people who probably deal in millions of dollars' worth of transactions every day, my measly $10 or $20K transfers are insignificant, but they are very big deal to me, and when I get an error message in the middle of a transfer, I'd like to know what happened to my money. My issues have been minor thus far - mostly technical support issues - but it really makes me wonder what would happen if I had a serious issue. I gave them 2 stars because they do have good rates, and when things go well I have no complaints.
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andy m
7 months ago
Been pretty happy with Marcus
Been pretty happy with Marcus. My only criticism is that you have to opt in for the bonus rate on savings. Otherwise it does what I need it to do.
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nicholas yearsley
7 months ago
Re the bonus interest rate on savings
Re the bonus interest rate on savings. I've lost a lot money because I didn't opt in earlier. Why the need to opt into a bonus rate, the company should just raise the underlying rate... and then if necessary reduce it back down in the future. It's sharp practice. Yes, you send emails but many people do not pay too much attention to them once their money is in the account. You rely on this to save money! People expect to be getting the best rate possible without the need to opt in to anything. Why the need to do this!! Really annoyed.
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cheryl hynds
8 months ago
I wanted to change my surname following…
I wanted to change my surname following my marriage. I uploaded the required documents and the name change was effectuated the same day. Other Companies were far more difficult to deal with. Why can’t other companies be so helpful?
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wa girl
8 months ago
Marcus Does Not Release Funds
Marcus took long unreasonable holds on money I brought in. I was unable to purchase T-Bills from the treasury. They kept reverifying the sources of funds. They were transfer ACHs from my own accounts. Then the holds came off Feb 3, 2023. However, they still did not send the funds to another of my own institutions for purchases of a 6 month CD at 5%. I was told ready to go subject to verification of my receiving institution. While they had me on hold they disconnected. Then I called back and went through more verifications. Finally, they tried callling and other EST institution closed. Told to try back Monday morning. No call from them, so I called back. They said I was verified. Late in afternoon an Emett from fraud called stating "only way they are releasing my funds is if returned to originating institutions. Yes, that is from 3 or so. They also kept asking about returning to an institution, I had cancelled the incoming transfer to do to Marcus's unreasonable delays. I checked my account and it said cancelled outgoing wire. This series of events occurred Jan 24 - Feb 7 2023.
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stja
8 months ago
Bad customer service
Bad customer service. Inconvenient and cumbersome process to close account. Gets funds stuck for too long.
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stefan accorsi
8 months ago
la cattiva società di investimento non…
la cattiva società di investimento non investi ti consiglio per il tuo processo di reimbursement, segnali Rec’ovi,ng •0r g
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paul
8 months ago
Used for years with no problems...
Bit surprised to see so many negative reviews here. I’ve had a Marcus savings account for a few years now. I joined when it offered the leading rate but recently it’s rates lag behind it’s peers and the BOE rate. I’ve never needed to access Customer Support so my experience is purely regarding transferring money in or out which is usually completed faster than I can log on to the other site. My only criticism is the rates are so far behind the BOE base rate but that’s true of all Banks so I won’t dock them a star for that….
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mdm
8 months ago
Limited tech support, Customer Service not available
I tried accessing my account but my login details did not work. Requested to have my password reset (still had attempts available). Received the passcode to proceed with the reset and instead of being directed to reset the password my screen showed my account got locked and i need to contact their customer service by phone. Worse thing is that Customer Service is only available Monday-Friday 8-8pm. "Your account is locked You'll need to call us on 0800 085 6789 to speak to someone who can help you. Our lines are open Monday to Friday, 8am to 8pm." I got locked out at 8.30pm. Now I have to wait until the morning, call and speak to their customer service in order to unlock the account. Ridiculous tech enablement from an American Bank. It's all branding, will close this and move my savings to another bank that has better account management online services and more accessible customer service.
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hazel timpe
8 months ago
Furious
Furious. Locked out of my account. No UK phone number to call. Terrible service.
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toni g.
9 months ago
Funds locked up for months
They locked savings account twice after instigating an outgoing transfer. A notarized "identity affidavit" was submitted per their request and 6 weeks later, account is still locked. All subsequent calls end with "call back again" for one reason or another. Their customer service consists of people with no authority to help. Infuriating!
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marzanna
9 months ago
Waiting for my money
It's not instant access - despite what they say, it sometimes takes several hours/days for them to send your money. You can't contact them at weekends to sort it out. These days, instant access should mean payment immediately. Other banks manage it.
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ian thomson
9 months ago
A TOTAL SCAM!!!! A CLASS ACTION LAWSUIT IS REQUIRED.
I opened On Line Savings & a 9 Month CD accounts….No problem BUT trying to have these closed and my money returned???!!!!! Forget it or so Marcus by Goldman Sachs hopes I will. On the phone for at least 80 minutes each call and I’m making them daily. The record is 102 minutes and got nowhere. The 1st level is of no use but they repeat the same script…..”I’m speaking to a specialist on your behalf.” Then…..”Call back in 3-4 days when the specialist has reviewed your account.” Ask to speak with the next level, you get the same response. And no chance of speaking with anyone involved with your accounts. I notice Marcus by Goldman Sachs also opened 2 accounts in my name without my approval! They have now BLOCKED my accounts and I’m led to believe dumped them into the UNCLAIMED ACCOUNTS SECTION!!!! TOTALLY DISGRACEFUL. I’m in contact with the CONSUMER PROTECTION BUREAU with regards to my Marcus by Goldman Sachs accounts and I urge every dissatisfied Marcus by Goldman Sachs client to do the same and/or is there an attorney wanting to start a CLASS ACTION LAW SUIT??? Bank robbers used to work outside the banks but now work for Marcus by Goldman Sachs! I stand by my true statements above and can confirm all by recorded and written facts.
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elrow
10 months ago
I can see some pretty bad reviews here…
I can see some pretty bad reviews here but my own experiences have been good. Have had their instant access saver for a few years now. The app is a bit slow but never had a problem transferring funds in or out. Only thing is on a weekend transfers take over a day to appear at the other end . When my phone was stolen the Customer Service team was very helpful in assisting me to reset my log in etc. I would def recommend if you want a straight forward account for savings but do near in mind at a weekend your funds aren’t instantly accessible
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will
10 months ago
Locked me out of my account and won't help me unlock
I recently signed up for an account with Marcus and they locked me out. I called their customer service and they are completely useless and put me on hold for a combined 1 hour in total. They have my money held hostage and won't unlock my account. I am taking legal action and filing a criminal complaint. I have given them all of my personal identification verification information and they still won't unlock my account. Despicable company.
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christian lehmann
10 months ago
They remember the scandal of Goldman &…
They remember the scandal of Goldman & Sachs. Fraudulent bank managed by East of Europe. It is a nightmare the app and the service!
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marzanna
10 months ago
Still waiting for withdrawal
Tried to withdraw money from my Marcus account to my bank account. One day later I'm still waiting for my money. No explanation as to reason for delay (e.g. is it a fraud check?). Money is meant to arrive immediately or within 1-2 hours. Not possible to contact Marcus outside of week days. I need my money now (it's my money they're holding on to!). There seems to be nothing I can do but wait.
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customer
10 months ago
No Customer Service
They give a pretty good rate of return, but their customer service is virtually non-existent. I asked to speak to someone about a problem with the online history of my account, and their robot said someone would call me, but that was the end of it. You can interact with their website, or talk to a robot. That's it.
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paralegal shawn flaherty's off
a year ago
Marcus should be sanctioned. Avoid opening a CD if you ever want to get your money out!
I am the Court appointed guardian for my mother, who has a CD with Marcus with most of her life savings in it. When I attempted to close it in order to pay her nursing home bills, Marcus repeatedly gave me PO Box numbers in PA to send certified copies of the same documents over and over again. Each time, even if USPS tracking numbers, the documents were lost in the mail rooms of Marcus. When you call, you can spend literally hours (2-4) getting the run around and being told to call back. You then start the whole process again, and get canned responses from the reps who claim they have no way to communicate with the legal department and everything takes 7-10 days. I was even told that maybe I should retain an attorney to assist with the process. They have no interest in honoring a request to close a CD, even if your loved one is being threatened with eviction from the nursing home. I have been trying since May to close a CD! This is insane, and they should not be allowed to get away with this!
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tallyman
a year ago
Very slow
I've tried to transfer a couple of ISAs from Marcus. It's a painfully long experience.
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john.
a year ago
No problems with savings accounts thus…
No problems with savings accounts thus far, but not as good at raising interest rates as once was.
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brynn barge
a year ago
Beware unfair penalties!
After investing a large sum in a CD for five years, I proceeded to cash out. I started the process of wiring the money into my personal credit union with plenty of time before the CD matured. A telephone operator incorrectly inputted my credit union account number for the trial deposit causing a delay in closing the CD. The CD automatically renewed which cost me $1200 in early withdrawal penalties. I requested that my case by reviewed by upper management to get a reimbursement for the penalty which was not my fault. The recorded phone calls can easily prove the case in my favor, however my case was denied and I got stuck with the penalty. It's just wrong, and a classic case of the big corporation taking advantage of the little guy.
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rick gardner
a year ago
Their customer service is horrible
Their customer service is horrible, and you cannot rely on statements made by customer service. I have been promised they would fix errors or waive feed charged in error only to be lied to.
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austin quinn
a year ago
Low interest rate
Out of all my bank accounts, Marcus is now paying the lowest rate @ 1.99% (easy access saver) and this includes their so called “bonus”. 0.25%, BIG DEAL! It used to be my best account for interest. Perhaps that was the intention - to sign customers up and not keep up with the market rate. Typical, greedy American banking institution in my opinion. Withdraw your cash and get yourself a better deal is my advice.
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c kough
a year ago
We have a GM credit card from Capital…
We have a GM credit card from Capital One that was bought out by Goldman Sachs. A couple of months later we headed to San Diego by car. Our card was declined more than accepted on the trip. We called and it made no difference. If we were ever late with a payment I would understand but WTH!!! Anyhow it continued when we got home so we concluded they don't want anyone who pays their bill each month. I wouldn't recommend Goldman Sachs to pick up dog crap from my yard.
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alexander n
a year ago
Beware! You won't get your money back and loose hours of your time dealing with customer support..
I closed my online savings account with a substantial amount of $ with Marcus more than 3 weeks ago and I still have not received my money back, the funds remain with them. Since then I had almost 10 phone calls (no ticketing or email system) with customer support and they still have not sorted this out, they are unable to give an explanation. I have been on the phone for hours now. This is unacceptable for a financial institution which claims to be affiliated to Goldman Sachs. I wonder if they do not have the funds any more? This makes me believe that they are yet again in trouble and soon to be bailed out.
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mrs harding
a year ago
Problems transferring my ISA out of Marcus!
I am transferring my ISA (x2) to another provider as their rates are so low! This bank is not on the electronic transfer list (BE WARNED) so the new ISA company had to WRITE (DELAY!) to them on the 29/9/22 to ask them to transfer in the money.. I have called them 3 times and each time Marcus have said they have NOT received any transfer letter from either accounts.. I spoke again to the new provider who have said for the 3rd time that it HAS been sent. Marcus said they may have sent it to the wrong address (they didn't as I checked!). Their 15 days are up on the 19/10/10 ... If by then my ISA has NOT been transferred I will be contacting the Financial Ombudsmen so they can look into what went wrong! This is such a simple operation, but is seems that it is not being carried out! Shame on you Marcus you should not be causing anxiety to your customers! Hours on the phone I will not get back !!! It is now 27/10/22 - another hold for 50 minutes... my husband sent the letter in nothing to say they had received the letter!
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me
a year ago
Very positive experience
I have always had a wonderful experience with them. The customer care is great. I feel safer with them than with any other bank. I love MARCUS!!
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nigel pridham
a year ago
Missing interest
On the evening of the 3rd of the month interest has not been added to my account.In this technical age I think this is slack or perhaps worrying?
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mike mercieca
a year ago
Treat customers with contempt!
Awful customer service, they do not listen to customer concerns and simply 'cut and paste' textbook responses! I am a retired IT professional and despite my telling them that my browser is set up to automatically clear cache and cookies on exit and that the browser remained active throughout the session experiencing error messages from their system and not being able to make any transactions, their response is the standard pass the buck back to the customer saying "cookie or browser related" - utter tosh, they simply will not own up to something unscheduled at their end! They insult the intelligence of their customers and show the contempt they have for their customers!
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smokey bean
a year ago
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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demon williams
a year ago
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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mr. robert eastwood
a year ago
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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jonathan cruickshank
a year ago
Great bank
Great bank - you get inetrest and customer service - Lloyds please take note!
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katerina
a year ago
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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donna
a year ago
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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mr spooble
a year ago
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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auau64
a year ago
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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nicole jones
a year ago
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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johnnymack
a year ago
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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mark
a year ago
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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michael brierley
a year ago
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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dbmaul
a year ago
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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s854
a year ago
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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john strickland
a year ago
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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new york
a year ago
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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gill ellis
a year ago
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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janin campos
a year ago
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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lynne sweeney
a year ago
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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gene hobdy
a year ago
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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andrew jinman
a year ago
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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robertog
a year ago
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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bri the master
a year ago
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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malcolm chester
a year ago
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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charlotte
a year ago
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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bm
a year ago
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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richard kosinski
a year ago
What a pack of lies
What a pack of lies. All these reviews are fake. Marcus bank is horseshit