Lili vs Marcus by Goldman Sachs.
Lili (L73/100) 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. Lili leads Marcus by Goldman Sachs 5-0.
| L Lili №26 · FDIC 73 /100 | M Marcus by Goldman Sachs №56 · OCC 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 73 /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 | 4.7 ★ 1k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
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 Lili won 2 of 2
- Best for reach Tied
- Best for ux Lili won 2 of 2
Lili vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lili better than Marcus by Goldman Sachs?
Under our v3 methodology, Lili leads Marcus by Goldman Sachs 5–0 across 12 dimensions. Composite scores: Lili 73/100 vs Marcus by Goldman Sachs 58/100. Lili is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Lili or Marcus by Goldman Sachs cheaper?
Monthly fee — Lili: €0; Marcus by Goldman Sachs: €0. Card FX markup — Lili: 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, Lili or Marcus by Goldman Sachs?
Lili 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. Lili is the stronger pick on regulatory protection.
Where can I use Lili and Marcus by Goldman Sachs?
Lili 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.