bunq vs Marcus by Goldman Sachs.
bunq (b87/100) 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. bunq leads Marcus by Goldman Sachs 5-1.
| b bunq №02 · DNB 87 /100 | M Marcus by Goldman Sachs №56 · OCC 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /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 | Full bank DNB | Payment inst. OCC |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | — |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
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 bunq won 2 of 2
- Best for reach bunq won 1 of 3
- Best for ux Tied
bunq vs Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Marcus by Goldman Sachs?
Under our v3 methodology, bunq leads Marcus by Goldman Sachs 5–1 across 12 dimensions. Composite scores: bunq 87/100 vs Marcus by Goldman Sachs 58/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is bunq or Marcus by Goldman Sachs cheaper?
Monthly fee — bunq: €0; Marcus by Goldman Sachs: €0. Card FX markup — bunq: 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, bunq or Marcus by Goldman Sachs?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Marcus by Goldman Sachs?
bunq operates in 30 countries; 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.