BMW Bank vs Marcus Savings: Which Pays More?
BMW Bank pays 4.15% APY through Raisin; Marcus pays 3.50% with same day transfers and 24/7 support. Earnings on $10,000 to $50,000, the STACK bonus and which fits you.
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BMW Bank pays more: 4.15% APY (as of Nov 5, 2026, per Raisin) against Marcus by Goldman Sachs at 3.50% APY (as of Nov 5, 2026). On $25,000 that is about $163 more interest a year, and new Raisin customers can add a cash bonus of up to $1,000 through Nov 30, 2026. Marcus wins on convenience: no minimum, same day transfers of up to $100,000, a 24/7 contact center and a top rated app. Both are FDIC insured with no monthly fees. Rates checked Nov 5, 2026.
Marcus is one of the best known online savings accounts. BMW Bank High Yield Savings is newer to most savers and is opened through Raisin. Here is how they compare.
BMW Bank vs Marcus at a glance
| BMW Bank High Yield Savings | Marcus Online Savings | |
|---|---|---|
| APY | 4.15% (Nov 5, 2026) | 3.50% (Nov 5, 2026) |
| Minimum to open | $1 | $0 |
| Monthly fee | None | None |
| How you open it | Through Raisin, a savings marketplace | Directly with Marcus |
| Transfers | To and from your linked bank through Raisin | Same day transfers of $100,000 or less to and from other banks |
| Withdrawal limit | Per Raisin’s terms | No limit at this time, per Marcus |
| Support | Raisin | Contact center 24 hours a day, 7 days a week |
| App rating | Raisin app: 2.9 App Store, 2.5 Google Play (Nov 3, 2026) | Marcus app: 4.9 App Store, 4.9 Google Play (Sep 28, 2026) |
| Extras | STACK cash bonus up to $1,000, new Raisin customers, through Nov 30, 2026 | None currently listed |
| FDIC insured | Yes, BMW Bank of North America (cert 35141), pass through via Raisin | Yes, Goldman Sachs Bank USA (cert 33124) |
BMW rate from Raisin’s BMW Bank page; Marcus terms from Marcus’s savings page. Both checked Nov 5, 2026. Rates are variable.
How much more does BMW Bank pay?
| Balance | BMW Bank, 1 year | Marcus, 1 year | Difference |
|---|---|---|---|
| $10,000 | $415 | $350 | $65 |
| $25,000 | $1,038 | $875 | $163 |
| $50,000 | $2,075 | $1,750 | $325 |
Interest only, if both APYs stay the same for a year and nothing is withdrawn. The STACK bonus would be extra.
When Marcus is the better pick
- You move money often and want same day transfers.
- You want to call someone at any hour.
- You care about a polished app, or you already use Marcus for CDs.
When BMW Bank is the better pick
- You are parking money you will not touch often and want the higher rate.
- You have $10,000 or more to move by Nov 30, 2026 and can keep it there 90 days for the STACK bonus.
- You are fine managing the account on Raisin’s website.
BMW Bank High Yield Savings
Earn 4.15% APY with BMW Bank's high yield savings, exclusively on Raisin- Limited time: use code STACK for a cash bonus up to $1,000*
- No direct deposit, account fees or balance requirements
- Deposits held by BMW Bank of North America, Member FDIC
- FDIC insurance up to $250,000 for individual accounts and $500,000 for joint accounts
Are both safe?
Yes. Marcus accounts are held at Goldman Sachs Bank USA, FDIC certificate 33124. BMW Bank of North America is FDIC certificate 35141; through Raisin your money is held in a custodial account for your benefit and is eligible for pass through FDIC insurance. Both cover up to $250,000 per depositor, per ownership category. Read is BMW Bank legit? for more on BMW Bank.
Our take
BMW Bank pays 0.65 percentage points more today, which adds up on larger balances. Marcus is the smoother account to live with. Compare both with the leaders in our best high yield savings accounts, or see BMW Bank vs Ally.
Frequently asked questions
Does BMW Bank pay more than Marcus?
Yes, at our latest check. BMW Bank pays 4.15% APY (Nov 5, 2026, per Raisin) and Marcus pays 3.50% APY (Nov 5, 2026). Both rates are variable.
Is Marcus FDIC insured?
Yes. Marcus deposits are held at Goldman Sachs Bank USA, FDIC certificate 33124, and are insured up to $250,000 per depositor, per ownership category.
Does Marcus have a minimum deposit?
No. Marcus says there is no minimum deposit and no fees on its Online Savings Account.
How fast are Marcus transfers?
Marcus offers same day transfers of $100,000 or less to and from other banks.
Can I open BMW Bank savings without Raisin?
Raisin says this BMW Bank account is available exclusively on its platform.
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