Bank Jago vs Marcus by Goldman Sachs.
Bank Jago (B75/100) 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. Bank Jago leads Marcus by Goldman Sachs 3-1.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | M Marcus by Goldman Sachs №56 · OCC 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 58 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Payment inst. OCC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | 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 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
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 Marcus by Goldman Sachs won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Tied
- Best for ux Tied
Bank Jago vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Marcus by Goldman Sachs?
Under our v3 methodology, Bank Jago leads Marcus by Goldman Sachs 3–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Marcus by Goldman Sachs 58/100. Bank Jago is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bank Jago or Marcus by Goldman Sachs cheaper?
Monthly fee — Bank Jago: €0; Marcus by Goldman Sachs: €0. Card FX markup — Bank Jago: 2.00%; Marcus by Goldman Sachs: Interbank. Marcus by Goldman Sachs wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or Marcus by Goldman Sachs?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Marcus by Goldman Sachs?
Bank Jago 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?
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