Marcus by Goldman Sachs®
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Information
- Category: Finance
- Price: Free
- Age Rating: /
-
Rating:
4.3
- Developer: Goldman Sachs
- Version: 1.0.5
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Features
The Marcus by Goldman Sachs® mobile app offers a range of features to help users manage their finances on the go. The app allows users to view their account balances, track transactions, and transfer money between accounts. Users can also set up personalized savings goals and track their progress over time. The app provides access to customer support and allows users to easily manage their Marcus by Goldman Sachs® personal loans or high-yield savings accounts.
Additionally, the app offers security features such as biometric login and the ability to lock and unlock the app with a touch of a button. Users can also set up alerts and notifications to stay informed about account activity and important updates.
How to Use
To use the Marcus by Goldman Sachs® mobile app, simply download it from the App Store or Google Play Store and follow the prompts to set up your account. Once logged in, you can navigate through the app using the menu options to access your account information, make transfers, set up savings goals, and manage your loans or savings accounts. You can also customize your security settings and set up alerts to stay informed about your account activity.
Pros & Cons
The Marcus by Goldman Sachs® mobile app offers a user-friendly interface and a range of features to help users manage their finances on the go. The app provides convenient access to account information, the ability to set up savings goals, and personalized customer support. Additionally, the app offers security features such as biometric login and the ability to lock and unlock the app with a touch of a button.
However, some users may find that the app lacks certain advanced features offered by other banking apps, and there may be occasional glitches or bugs that impact the user experience. Additionally, some users may have concerns about the level of security provided by the app.
User Reviews
Review Source: Google Play Store
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it was a awesome app the whole time they were partners with GMC I use to use it often to Keep track of bills that we're going through the card and payments being made to the card I never had troubles with it It was easy app to open close and get notifications from; At least when I used it. I thought Marcus credit cards were actually very helpful and useful and would take another one if offered unfortunately Barclay's bought them out and they became Barclays owned.
Awesome app. Though the annual yearly percentage fluctuate, they were the first to come back strong. Highly recommended it. Even if you have 500 dollars, invest in a sure thing. Every month they'll send you a statement of how much money you have made. Obviously more money you put in, the more money you make. I wanted to try it out. I had 10k in my bank account and receiving no money for it. Looking for a CD, look no more Marcus gives you better rates than a Cd with no penalties.
Meh. Not bad, nothing fancy. Limited options. But it's good for what I need to do, which is automatically transfer money to my Marcus savings account from an external bank's checking account every month. Glad you increased the interest rates for my savings accounts. I'd rather have competitive interest rates than a fancy app. As long as the app isn't buggy, which it's not, so I'm good.
After a good length of time using this service and app I absolutely love it. It is easy to use, easy to transfer money in and out using my checking account. There are onky a few things I would add. On the savings side in the cds it would be nice when I roll over and add cash have a Stat that shows what I've put in and the total interest I've earned. And on the investment side I'd like to know exactly how many shares I own of the stocks/etfs instead of just the weight percentage. Dividend names.
Update 08/05/23: 3 years later. The issues before have been resolved. App is user-friendly and basic account activities can be done. Works. Update to 4 stars from 1. Update 07/22: App still has the same issues. No improvement. Initial: App was working previously. After logging in, no financial account information is displayed, so basically it is no longer useful. Persistently shows a pop-up: 'We're having some technical issues'. It's been 3-4 weeks, and this issue has still not been fixed.
App is fairly straight forward. I don't like how you have find the log out option. It's not easily accessible. For me, if I don't log out the app disables the finger print login for the next time you use the app. Extremely annoying for me. Edit: Taking away a star for forcing you to review app after good review was already left. No way to access app till review is done. Should probably remove more stars for stupidity.
So, as it turns out, even if you make a transfer from your checking account into your Marcus savings account, they will put a 5 day hold on what is already YOUR money. Sadly, even to the point, they will bounce a transaction or bill even though it's there and has been removed from your other account. There is no reason for a hold on the accounts that you've already spent days jumping through hoops to legitimize and have proven your own. I can even understand if it was something new.
My biggest gripe is the constant log outs. What's the point of biometric sign in if it only lasts a week? I'd like to see the pending transactions reflect my available credit instantly at login (or current balance accounting for pending), but they only show your balance accounting for final payments. Which is important, but there's enough screen real estate to show both. Also, having to expand the displayed transactions multiple times to see most of them. And the app is slow.
One of the worse accounts in terms of app, site, and general process. Eg. I made a transfer to another account after verifying it. They blocked that transfer, and didn't even let me know. I got a call once that I couldn't pick up. They didn't call back, leave a message, send an email, nor a text. I waited for the funds to show up. When I called they told me they put my account on hold! Also, they send you a passcode and ask you for it on the call. Anyone can pretend to be them and take that code
Mediocre app. Can't set alerts when card is used. Takes too long to do anything. Has repeatedly made double payments due to slow actions. Payments usually go through but rarely get confirmation. I only know my bill is paid when it comes out of my bank. Lastly, the devaluing of points means I don't earn as much discount on a new car as fast as I used to. Will cancel card as soon as i buy my next car (problem with bank/GM, not specifically the app).
App is unusable. I've uninstalled and reinstalled the app 3 times. When you try to log in, you get a message that there is a known technical Issue. I gave the benefit of the doubt that it was 0 -- it's been a week and I still cannot log in on the app. I can successfully log in on the web browser. I was planning to open a HYSA with Marcus, but not anymore.
What a terrible app. It's the slowest app I've ever used on modern devices. The credits and debits are all messed up, sometimes showing the same thing debited 2x. It won't recognised a previously set up bill pay account, one I've had set up got at least 4 years now. I'm glad Goldman Sachs is getting out of personal lending so I won't have to use their terrible customer service and app soon. The sooner the better
Terrible, use a different bank. After saving money for some time, i tried to take some out for an emergency, and the app ran into tegnicall issues and couldn't. This issue was never fixed even after 2 weeks, when i tried again. Calling hold time was more than half an hour, and the person was rude. Aside from the app, i still could not take money out due to small print bs- too complex to explain.
Haven't been able to login to the app for months. Nothing happens, never loads. Cannot see my other accounts linked on the website anymore either. Also, the GM card supported by Marcus is a joke. I literally can never use it. Even for GM-specific purchases. Everything is declined. Utterly useless. ----- The concept is great but my linked accounts keep getting error messages so are not updating at all. This has been a consistent issue for months. When will they be an update for goodness sake?!
Totally messed up in some recent update. Won't allow linking accounts - I've spent half an hour trying to figure it out, but either it'll send you back to the institution selection screen immediately when you try to enter your account info, or it'll send you back to the selection screen when you try to verify your account. And that's how it operates both on their website as well as the app (which is just their website in app form, which is why I get a prompt in-app telling me to get the app!).
For the last week, after logging in and selecting my savings account, I've been receiving, "We're having some technical issues. An error is getting in the way at the moment. Please check back in a few hours - our team is working on a solution." According to a Customer Service rep, they are not aware of any issues. So, is "our team" really working on a solution or not? Update: No response from Marcus, developer contact email is not monitored, uninstalling.
10-day transfer times now - a huge step backwards. I need a bank where I have access to my money when I want, or might truly need it. Thought this might lend the ease of an online checking account with some lesser loss of value while it sits. But, it just isn't a good fit for me as someone still in an 'earning, spending, saving, and investing' stage of my life. Don't have time or extra cash to have just sitting in an account losing value. Idk who this is app is for anymore really.
Want $100 back if you spend $1500 on fuel? What they don't say is that it's not activated automatically, and it's not easy to redeem. You have to login on a computer, sign in, find the "activate" button, transfer to GM rewards, sign in AGAIN, dig through three menus to find rewards, deep in there is a button to activate it - finally! Oh, but it only applies TO PURCHASES IN THE FUTURE, SO THE $1500 YOU SPENT BEFORE DOESN'T COUNT. Oh and you have to re-activate every year, with no email reminder.
They advertise being able to send wire transfers. I needed to withdraw money quickly for a major purchase, and had nothing short of nightmare interactions with support. Had to call multiple times to have them send the transfer, each time they would tell me there is no record of the transaction, but that they just started one for me. Finally talked to a manager who was able to send the transfer, but they didn't follow the wire instructions and sent a very large sum of money to the wrong place.
I called in to the 24 hr number after running into difficulties opening a second account. Then the (foreign) call center employee tried to get me to give him credit card information for a one time processing fee that wasn't listed anywhere on their website. It sounded sketchy, he kept repeating that it was a new one time fee that started in July, so I asked to speak to a manager to find out where it was listed and got put on hold for more than 2 hours. Felt like they're outsourcing to scammers.
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