YAP vs Marcus by Goldman Sachs.
YAP (Y69/100) 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. YAP leads Marcus by Goldman Sachs 4-1.
| M Marcus by Goldman Sachs №56 · OCC 58 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 69 /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 CBUAE |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| 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 | 4.3 ★ iOS 4.3 · And 4.2 |
| 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 YAP if…
UAE expat-focused digital bank — partner-bank model via RAK Bank. Strong remittance corridor to Pakistan. Multi-currency wallet differentiates vs. AED-only competitors. AE DPS cover applies via the RAK parent.
- Best for fees Tied
- Best for protection YAP won 2 of 2
- Best for reach YAP won 1 of 3
- Best for ux Marcus by Goldman Sachs won 1 of 2
YAP 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 YAP?
Under our v3 methodology, YAP leads Marcus by Goldman Sachs 4–1 across 12 dimensions. Composite scores: Marcus by Goldman Sachs 58/100 vs YAP 69/100. YAP 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 YAP cheaper?
Monthly fee — Marcus by Goldman Sachs: €0; YAP: €0. Card FX markup — Marcus by Goldman Sachs: Interbank; YAP: 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 YAP?
Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. YAP holds a Partner-bank licence under CBUAE; deposit guarantee per depositor: €250,000. YAP is the stronger pick on regulatory protection.
Where can I use Marcus by Goldman Sachs and YAP?
Marcus by Goldman Sachs operates in 1 country; YAP operates in 2 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.