Novo vs Marcus by Goldman Sachs.
Novo (N72/100) 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. Novo leads Marcus by Goldman Sachs 5-0.
| M Marcus by Goldman Sachs №56 · OCC 58 /100 | N Novo №28 · FDIC 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 72 /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 | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | $250,000 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 | — | 3.0 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.8 · And 4.5 |
| 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 Novo if…
The integration-first US business neobank. Boost is the structural feature: Stripe and Square payouts arrive 1-2 business days earlier than at any competitor, which materially shifts cash-flow timing for e-commerce sellers and agencies invoicing on net-30. The third-party app marketplace (~11+ named integrations including Wise for cross-border) is deeper than Bluevine, Mercury, or Found, and Middlesex Federal Savings has been the continuous sponsor bank since launch — uncommon stability in BaaS. Trade-off: $250K single-bank FDIC ceiling (no sweep), no yield product, and weaker multi-user permissions than Relay.
- Best for fees Tied
- Best for protection Novo won 2 of 2
- Best for reach Tied
- Best for ux Novo won 2 of 2
Novo 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 Novo?
Under our v3 methodology, Novo leads Marcus by Goldman Sachs 5–0 across 12 dimensions. Composite scores: Marcus by Goldman Sachs 58/100 vs Novo 72/100. Novo 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 Novo cheaper?
Monthly fee — Marcus by Goldman Sachs: €0; Novo: €0. Card FX markup — Marcus by Goldman Sachs: Interbank; Novo: 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 Novo?
Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Novo holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Novo is the stronger pick on regulatory protection.
Where can I use Marcus by Goldman Sachs and Novo?
Marcus by Goldman Sachs operates in 1 country; Novo 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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