Chime vs Marcus by Goldman Sachs.
Chime (C74/100) and Marcus by Goldman Sachs (M58/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Chime leads Marcus by Goldman Sachs 5-0.
| C Chime №22 · FDIC 74 /100 | M Marcus by Goldman Sachs №47 · OCC 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 58 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. OCC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 25k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
Pick Marcus by Goldman Sachs if…
Online-savings + CD-only product from Goldman Sachs Bank USA. No checking, no debit, no investing — purely a yield destination. Goldman institutional pedigree and headline APY among top-quartile US chartered banks. The savings-only counterpart to Ally for depositors with checking elsewhere.
- Best for fees Tied
- Best for protection Chime won 2 of 2
- Best for reach Tied
- Best for ux Chime won 2 of 2
Chime vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Marcus by Goldman Sachs?
Under our v3 methodology, Chime leads Marcus by Goldman Sachs 5–0 across 12 dimensions. Composite scores: Chime 74/100 vs Marcus by Goldman Sachs 58/100. Chime is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chime or Marcus by Goldman Sachs cheaper?
Monthly fee — Chime: €0; Marcus by Goldman Sachs: €0. Card FX markup — Chime: Interbank; Marcus by Goldman Sachs: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Chime or Marcus by Goldman Sachs?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Chime is the stronger pick on regulatory protection.
Where can I use Chime and Marcus by Goldman Sachs?
Chime operates in 1 country; Marcus by Goldman Sachs operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.