Bread Savings vs Marcus by Goldman Sachs
Head-to-head comparison of Bread Savings High-Yield Savings and Marcus Online Savings Account, updated daily.
Bread Savings currently wins on APY: 4.40% vs 3.65%
| Feature | Bread SavingsUpdated 1d ago | Marcus by Goldman SachsLive |
|---|---|---|
| APY | 4.40%★ | 3.65% |
| Min opening deposit | $100 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | No |
| Check writing | No | No |
| Mobile app | No | Yes★ |
| Editor rating | 4.1 / 5 | 4.5 / 5★ |
Bread Savings verdict
Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to "set and forget" without temptation to spend, the lack of features is a feature.
Read full Bread Savings review →Marcus by Goldman Sachs verdict
Marcus is the conservative choice. It does not have the absolute highest APY on the market, but it is consistently within the top tier and is backed by one of the most established financial institutions in the world. For savers who prioritize stability over chasing rates, this is our recommended option.
Read full Marcus by Goldman Sachs review →