Trade Republic vs Marcus by Goldman Sachs.
Trade Republic (T81/100) 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. Trade Republic leads Marcus by Goldman Sachs 7-1.
| M Marcus by Goldman Sachs №56 · OCC 58 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 81 /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 | Full bank BaFin |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 17 countries |
| Crypto Coins available | No | 50 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.4 ★ iOS 4.8 · And 4.1 |
| 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 Trade Republic if…
Pick if you want the cheapest brokerage in Europe (€1/trade) and the highest interest on idle cash. Not a primary current account.
- Best for fees Tied
- Best for protection Trade Republic won 2 of 2
- Best for reach Trade Republic won 3 of 3
- Best for ux Tied
Trade Republic vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Marcus by Goldman Sachs better than Trade Republic?
Under our v3 methodology, Trade Republic leads Marcus by Goldman Sachs 7–1 across 12 dimensions. Composite scores: Marcus by Goldman Sachs 58/100 vs Trade Republic 81/100. Trade Republic 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 Trade Republic cheaper?
Monthly fee — Marcus by Goldman Sachs: €0; Trade Republic: €0. Card FX markup — Marcus by Goldman Sachs: Interbank; Trade Republic: 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 Trade Republic?
Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Trade Republic is the stronger pick on regulatory protection.
Where can I use Marcus by Goldman Sachs and Trade Republic?
Marcus by Goldman Sachs operates in 1 country; Trade Republic operates in 17 countries. 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.