Brex vs Marcus by Goldman Sachs.
Brex (B70/100) 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. Brex leads Marcus by Goldman Sachs 4-1.
| B Brex №34 · FDIC 70 /100 | M Marcus by Goldman Sachs №56 · OCC 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /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 | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Brex if…
SMB-business neobank built around corporate cards + spend management. Brex Cash uses partner-bank sweep (Choice Financial + Lead Bank + Citi) for FDIC pass-through up to $6M+. Y Combinator alumni; ~$12B valuation. The default for VC-backed US startups.
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 Brex won 2 of 2
- Best for reach Brex won 1 of 3
- Best for ux Marcus by Goldman Sachs won 1 of 2
Brex vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than Marcus by Goldman Sachs?
Under our v3 methodology, Brex leads Marcus by Goldman Sachs 4–1 across 12 dimensions. Composite scores: Brex 70/100 vs Marcus by Goldman Sachs 58/100. Brex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Brex or Marcus by Goldman Sachs cheaper?
Monthly fee — Brex: €0; Marcus by Goldman Sachs: €0. Card FX markup — Brex: 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, Brex or Marcus by Goldman Sachs?
Brex 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. Brex is the stronger pick on regulatory protection.
Where can I use Brex and Marcus by Goldman Sachs?
Brex 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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