Vivid Money vs Marcus by Goldman Sachs.
Vivid Money (V62/100) 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. Vivid Money leads Marcus by Goldman Sachs 7-1.
| M Marcus by Goldman Sachs №56 · OCC 58 /100 | V Vivid Money №47 · Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 62 /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 | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. OCC | E-money inst. |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 5 countries |
| Crypto Coins available | No | 300 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.5 · 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 Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 1 of 4
- Best for protection Vivid Money won 1 of 2
- Best for reach Vivid Money won 3 of 3
- Best for ux Tied
Vivid Money 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 Vivid Money?
Under our v3 methodology, Vivid Money leads Marcus by Goldman Sachs 7–1 across 12 dimensions. Composite scores: Marcus by Goldman Sachs 58/100 vs Vivid Money 62/100. Vivid Money 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 Vivid Money cheaper?
Monthly fee — Marcus by Goldman Sachs: €0; Vivid Money: €0. Card FX markup — Marcus by Goldman Sachs: Interbank; Vivid Money: Interbank. Vivid Money 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, Marcus by Goldman Sachs or Vivid Money?
Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Vivid Money holds a E-money inst. licence under Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services; deposit guarantee per depositor: Safeguarded. Vivid Money is the stronger pick on regulatory protection.
Where can I use Marcus by Goldman Sachs and Vivid Money?
Marcus by Goldman Sachs operates in 1 country; Vivid Money operates in 5 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?
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