Marcus vs Ally High-Yield Savings (2026)
Two big online savings accounts, side by side. We have not opened them for this review.
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Both have no fees and no minimum. Marcus listed the higher rate on our check date; Ally has buckets and a full bank around it.
Quick picks
- Higher listed APYOnline Savings AccountCheck price
- Best for buckets and checking linkSavings AccountCheck price
Side-by-side specs
| Spec | Top pickMarcus by Goldman SachsOnline Savings Account | Ally BankSavings Account |
|---|---|---|
| Best for | Unlimited withdrawals and fast transfers | Savers who want buckets and auto-save tools |
| Monthly feelower is better | 0 $★ Best$0 | 0 $★ Best$0 |
| APY (issuer page) | 3.50% as of Oct 26, 2026 (variable) | 3.2% as of Oct 26, 2026 (variable, same on all tiers) |
| Minimum deposit | $0 | $0 |
| Withdrawals | No limit at this time, per Marcus | 10 limited withdrawals per statement cycle |
| Notable terms | Maximum balance limits apply; referral promo adds 1.00% for 3 months | Interest compounded daily; outgoing domestic wire $20 |
| Price | Check price | Check price |
Specs from each manufacturer's US product page. Bars compare each spec against the best value in this table; they are not test scores. Prices change often, so we link out instead of quoting them.
The picks
★Higher listed APY
Marcus by Goldman SachsOnline Savings Account
Best for: Unlimited withdrawals and fast transfers
Marcus listed 3.50% APY as of October 26, 2026, with no fees, no minimum deposit and same-day transfers of $100,000 or less.
What we like
- Highest issuer-listed APY of the three on the date checked
- No withdrawal limit stated
Watch out for
- No branches or ATM access
- Maximum balance limits apply
3.50% APY as of Oct 26, 2026, no fee, no minimum, with a referral boost.
★Best for buckets and checking link
Ally BankSavings Account
Best for: Savers who want buckets and auto-save tools
Ally listed 3.2% APY as of 10/26/2026, with no monthly fee, no minimum deposit, savings buckets and round-up boosters.
What we like
- Up to 30 savings buckets
- Round ups and Surprise Savings tools
Watch out for
- Ally may close the account if you often exceed 10 limited withdrawals
- Lower APY than Marcus on the date checked
3.2% APY as of Oct 26, 2026, no fee, 10 limited withdrawals per cycle.
How to choose
- Rates move. Recheck both pages before you open.
- Need checking too? See best no-fee checking accounts.
- Full list: best high-yield savings accounts.
Frequently asked questions
Which had the higher APY?
On Oct 26, 2026, Marcus listed 3.50% and Ally 3.2%. Both are variable.
Does either charge a monthly fee?
Neither does, per the issuers.
