Last Updated on September 26, 2025 by admin
Goldman Sachs, a globally recognized financial institution, has expanded its reach into the realm of online banking, offering a blend of traditional banking expertise with cutting-edge technology.
Through its online platform, Marcus by Goldman Sachs, the company provides a seamless banking experience that caters to both individual and business needs.
This digital transition marks a significant departure from Goldman’s historical focus on wealth and investment management, showcasing their commitment to accessibility and innovation in financial services.
The online banking platform offers a range of products and services designed to meet everyday financial requirements. From high-yield savings accounts to competitive personal loans and certificates of deposit, Goldman Sachs aims to provide customers with opportunities to effectively manage and grow their finances while enjoying transparency and security.
The platform is user-friendly, allowing clients to easily manage and execute transactions from the comfort of their homes.
Read: How to Register for Capital One Online Banking and Mobile Apps and deposit check
Features And Benefits Of Goldman Sachs Online Banking
Goldman Sachs offers online banking through its digital platform, Marcus by Goldman Sachs, which is designed for simplicity, security, and competitive savings options. Here’s a breakdown of its key features and benefits:
- High-Yield Savings Account
- Offers up to 3.65% APY with no minimum deposit and no monthly maintenance fees
- Interest compounds daily and is credited monthly.
- Offers up to 3.65% APY with no minimum deposit and no monthly maintenance fees
Certificates of Deposit (CDs)
- Terms range from 6 months to 6 years, with competitive fixed rates
- No monthly fees and FDIC-insured.
Marcus Invest
- A robo-advisor that builds personalized investment portfolios based on risk preferences.
- Minimum investment starts at just $5
Consumer Loans
- Personal loans with APRs ranging from 16.49% to 26.49%, depending on credit score
- No fees or commissions for servicing.
Credit Cards
- Mastercard credit cards with relatively low APRs.
- Usable online and offline, though no debit cards or ATM access are provided
Read: How to Register for U.S. Bank Online Banking and Mobile Apps and deposit check
How to register for Goldman Sachs Online Banking
Here’s a general guide on how to register for Goldman Sachs’ online banking (for example, via Marcus or their Transaction Banking platform).
Note: the exact steps may vary depending on your country, whether you’re a personal or corporate client, and whether the service is available in your region
Steps to Register
Go to this is Goldman Sachs’ consumer banking site.
Choose Your Product
-
- Select the type of account you want to open:
- High-Yield Savings Account
- Certificate of Deposit (CD)
- Personal Loan
- Marcus Invest (robo-advisor)
- Select the type of account you want to open:
- Click “Open an Account” or “Apply Now”
- You’ll be directed to a secure application form.
- Provide Personal Information
- Full name
- Date of birth
- Social Security Number (SSN) — required for U.S. residents
- Residential address
- Email and phone number
- Verify Your Identity
- You may be asked to upload a government-issued ID or answer security questions.
- Link a Funding Source
- Connect an external bank account to fund your Marcus account.
- You’ll need your bank’s routing and account numbers.
- Set Up Online Access
- Create a username and password.
- Enable two-factor authentication for added security.
- Review and Submit
- Confirm all details and submit your application.
- You’ll receive a confirmation email once your account is approved
- Marcus is currently available only to U.S. residents.
- There are no branch locations — all banking is done online.
- You must be 18 years or older to open an account.
If you’re outside the U.S. and looking for Goldman Sachs services, they offer institutional and investment banking globally, but not retail banking
Read: How to send and receive Wells Fargo Bank Wire Transfer and routing number
Goldman Sachs mobile app
The Goldman Sachs mobile app, known as Marcus by Goldman Sachs, is designed to give users secure and convenient access to their online banking and investment accounts. Here’s what you can expect:
Features of the Marcus Mobile App
- Account Management
- View balances, transaction history, and interest earned.
- Open and manage high-yield savings accounts and CDs.
- Apply for and manage personal loans.
- Marcus Invest
- Track your investment portfolio.
- Adjust risk preferences and goals.
- View performance and asset allocation.
- Secure Transfers
- Link external bank accounts.
- Make same-day transfers with high limits.
- Schedule recurring deposits or withdrawals.
- Notifications & Alerts
- Get real-time updates on account activity.
- Set custom alerts for deposits, withdrawals, and interest payments.
- Customer Support
- Access help via in-app chat or phone.
Read: How to send and receive Chase bank Wire Transfer and routing number
How to register for Goldman Sachs mobile app
To register for the Goldman Sachs mobile app — specifically the Marcus by Goldman Sachs app — follow these steps to get started:
Go to play-store or app store and Search for “Marcus by Goldman Sachs” and install the app.
- Launch the app and tap “Get Started” or “Open an Account”.
- Select the product you want to register for:
- High-Yield Savings Account
- Certificate of Deposit (CD)
- Marcus Invest (robo-advisor)
- Personal Loan
- Enter Personal Information
- Full legal name
- Date of birth
- Social Security Number (SSN) — required for U.S. residents
- Residential address
- Email and phone number
- Verify Your Identity
- You may be asked to upload a valid ID or answer security questions.
- Link a Bank Account
- Provide your external bank’s routing and account numbers to fund your Marcus account.
- Create Login Credentials
- Set up a secure username and password.
- Enable biometric login (Face ID or fingerprint) if available.
- Enable Security Features
- Turn on two-factor authentication for added protection.
- Review and Submit
- Confirm your details and submit the application.
- You’ll receive a confirmation email once your account is approved.
Read; How to Register for Bank of America Online Banking and Mobile Apps
What kind of investment does Goldman Sachs offer
Goldman Sachs offers a wide range of investment products and services tailored to individuals, institutions, and corporations. Here’s a breakdown of the key types:
Investment Products
- Stocks & Equities
- Domestic and international shares, including ETFs and convertible securities.
- Bonds
- Government, municipal, and corporate bonds across various maturities and risk levels.
- Mutual Funds & ETFs
- Actively and passively managed funds across asset classes and geographies.
- Options & Futures
- Derivatives for hedging or speculative strategies.
- Alternative Investments
- Private equity, hedge funds, real estate, and commodities for qualified investors.
Investment Strategies
- Active Management
- Portfolio managers aim to outperform benchmarks through strategic buying and selling.
- Passive Management
- Index-tracking strategies with lower fees and broad market exposure.
- Growth & Value Investing
- Focused on long-term capital appreciation or undervalued assets.
- Dividend Investing
- Targets income-generating stocks and funds.
Investment Accounts
- Individual & Joint Brokerage Accounts
- For buying and selling securities.
- Retirement Accounts
- IRAs, 401(k)s, and other tax-advantaged plans (U.S. only).
- Trust & Custodial Accounts
- For estate planning and managing assets on behalf of others.
Advisory Services
- Private Wealth Management
- Personalized financial planning for high-net-worth individuals and families.
- Marcus Invest
- A robo-advisor offering automated portfolios based on risk tolerance and goals.
- Model Portfolios
- Diversified, cost-efficient strategies managed by Goldman Sachs Asset Management
How to transfer money from Goldman Sachs
To transfer money from your Goldman Sachs account (via the Marcus by Goldman Sachs platform), here’s how you can do it:
Use the goldman sachs website or the Marcus mobile app (available on iOS and Android).
- Enter your username and password, and complete any two-factor authentication.
2. Go to the Transfer Section
- On the dashboard, select “Move Money” or “Transfer Funds.”
3. Choose Transfer Type
- Transfer to External Bank Account: Send money to a linked checking or savings account.
- Transfer Between Marcus Accounts: Move funds between your Marcus savings, CDs, or investment accounts.
4. Select the Linked Account
- If you haven’t linked an external account yet:
- Provide your bank’s routing number and account number.
- Marcus may verify the account with micro-deposits or instant verification.
5. Enter Transfer Details
- Amount to transfer
- Transfer date (immediate or scheduled)
- Frequency (one-time or recurring)
6. Review and Confirm
- Double-check the details.
- Submit the transfer request.
- You’ll receive a confirmation email once the transfer is initiated.
Transfer Timing
- Standard ACH transfers: Typically take 1–2 business days.
- Same-day transfers: Available for eligible accounts and amounts.
