Marcus by Goldman Sachs vs Ramp.
Marcus by Goldman Sachs (M58/100) and Ramp (R57/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Marcus by Goldman Sachs leads Ramp 2-1.
| M Marcus by Goldman Sachs №56 · OCC 58 /100 | R Ramp №58 · FDIC 57 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 57 /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 | Payment inst. OCC | Payment inst. FDIC |
| Deposit guarantee Per depositor | Safeguarded 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 | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
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.
Pick Ramp if…
The spend-management platform that closes the loop on policy enforcement at swipe time — Ramp pushes vendor-level savings recommendations into the finance team's workflow as a structural product, not a feature. Charge card + Bill Pay + Procurement + SaaS-spend management in one stack, with the deepest mid-market ERP integration set of any US corporate-card platform.
- Best for fees Tied
- Best for protection Marcus by Goldman Sachs won 1 of 2
- Best for reach Tied
- Best for ux Ramp won 1 of 2
Marcus by Goldman Sachs vs Ramp — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Marcus by Goldman Sachs better than Ramp?
Under our v3 methodology, Marcus by Goldman Sachs leads Ramp 2–1 across 12 dimensions. Composite scores: Marcus by Goldman Sachs 58/100 vs Ramp 57/100. Marcus by Goldman Sachs is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Marcus by Goldman Sachs or Ramp cheaper?
Monthly fee — Marcus by Goldman Sachs: €0; Ramp: €0. Card FX markup — Marcus by Goldman Sachs: Interbank; Ramp: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Marcus by Goldman Sachs or Ramp?
Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Ramp holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Marcus by Goldman Sachs is the stronger pick on regulatory protection.
Where can I use Marcus by Goldman Sachs and Ramp?
Marcus by Goldman Sachs operates in 1 country; Ramp 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.