Many people are talking about the comparison between SoFi and Marcus by Goldman Sachs when selecting the best online bank for savings and loans in 2025. Even though their rates and features are similar, which bank will better support your financial plans? In this 2025 SoFi vs Marcus review, we’ll examine their savings accounts, personal loans, and services to help you choose.
SoFi vs Marcus 2025 Savings Accounts Showdown
Choosing the best online bank for savings 2025 is affected mostly by rates offered, service fees, and what features the account has. When you set up direct deposit or certain types of deposits, you get an attractive APY up to 3.80% with SoFi’s savings account, and none of your money is charged as maintenance or minimum deposit fees. As a result, SoFi is an attractive place to save money for those looking for flexibility and to avoid paying hidden costs.
Marcus by Goldman Sachs has a savings account earning 3.75% APY, free from fees and charges and requires no opening deposit. People who need their money quickly will appreciate that Marcus can transfer up to $100,000 the same day.
You won’t find checking from Marcus, but SoFi gives you a Spend and Save account to use for all your financial needs. For example, with Chime, your whole debit card purchase total is rounded up to the nearest dollar, and you can use 55,000 ATMs for free around the world. Customers of SoFi can enjoy early direct deposit, as well as free protection against overdrafts.
SoFi Savings Account Review 2025 Features and Benefits
What’s great about this savings account is that it makes saving easy for its users. SoFi, alongside its high interest, lets you save money with automatic roundups that put what’s left from each purchase into your savings automatically. Users who often make overdrafts, withdrawals abroad, or infrequently use their banking app are attracted to the account because it keeps these fees at zero.
The app is praised for allowing easy deposits, fast transactions, and clear views of a user’s finances. Because your account brings together different products, you only need one, making your finances easier to manage and still earning a good rate.
Marcus by Goldman Sachs Review 2025 What It Offers Savers
Marcus makes it easy and rewarding for you to save your money. You won’t pay any fees with the savings account and can earn 3.75% on your money annually. Buyers who want a long-term savings plan may be drawn to Marcus’ certificates of deposit (CDs) which currently have rates from 3.75% to 4.40%.
Still, Marcus does not give users a checking account or support mobile check deposits which could make it difficult for users who want all the usual banking services. Those looking to park money safely and earn interest on it can use Marcus without the usual daily features of a checking account.
SoFi vs Marcus 2025 Personal Loans Comparison
There are good, competitive personal loan options from both SoFi and Marcus in the year 2025. SoFi lets you borrow at low interest and with very little in fees, but you need a high credit score to sign up. SoFi allows you to refinance your student loans and mortgages, so you can rely on them for many kinds of financial needs.
Many borrowers are encouraged by Marcus loans because the standard rates and options are clear, and the fees aren’t hidden. Because Marcus joined Goldman Sachs, borrowers know they can trust him.
The decision between SoFi personal loans 2025 and Marcus personal loans 2025 will depend on your credit and what sort of loan you need. You might choose SoFi if you need to refinance, and Marcus for its simple process and clear loan terms.
High-Yield Savings Accounts Comparison Which Bank Wins
Both banks, SoFi and Marcus, have been found to offer rates far higher than the national average, which makes them fantastic options for 2025. Two things putting SoFi ahead for users are its higher APY and the availability of checking accounts in addition to direct deposit.
What’s unique about Marcus is their simple, no-fee savings account and strong CD offers, good options for those who want only high interest without other banking extras.
Final Thoughts on SoFi vs Marcus 2025
Your choice of the best online bank for savings and loans in the SoFi vs Marcus 2025 battle will depend on what you want. SoFi is the smart choice if you’re hoping for an account with checking and savings, plus automatic roundups and benefits such as fee-free access to ATMs as well as early direct deposit. The report for 2025 shows that the platform is easy to use, provides good rates, and complements banking and saving needs.
If you need a clear savings account where you can still invest in CDs, Marcus by Goldman Sachs should be on your list. Savings and personal lending products from Marcus are suited to individuals looking for nothing more than simple and secure money management.
As a result, you can choose between SoFi and Marcus 2025, as each offers something different for their customers. Smart individuals choosing to save or borrow money may prefer one over the other, following their priorities: flexibility and banking services for some, straightforward good rates for others. SoFi and Marcus are both beyond outstanding in today’s evolving online banking sector through 2025.
