Marcus by Goldman Sachs

Marcus by Goldman Sachs is the U.S. consumer banking brand of The Goldman Sachs Group, launched in 2016 to offer no-fee high-yield Online Savings Accounts and Certificates of Deposit (CDs) directly to retail customers online. Deposits are held at Goldman Sachs Bank USA, a New York State-chartered bank and member of the Federal Reserve System, insured by the FDIC. After Goldman's broad retreat from consumer lending, Marcus no longer originates personal loans and now centers on digital deposit products. Marcus operates NO public first-party consumer developer API and runs no self-serve developer portal for its retail banking products; the Goldman Sachs Developer platform (developer.gs.com) serves institutional Transaction Banking and Marquee offerings, not Marcus consumer banking. Consumer-permissioned account data (balances, transactions, account/holder info) is reachable only through third-party open-finance aggregators such as Plaid, Flinks, and MX, not a documented Marcus API. As a bank chartered in the U.S., Goldman Sachs Bank USA is subject to the emerging CFPB Section 1033 personal financial data rights framework, but no first-party FDX-conformant Marcus developer interface is publicly documented as of this record.

Marcus by Goldman Sachs publishes 1 API on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Consumer Banking, and Neobank.

Marcus by Goldman Sachs’ developer surface includes support and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub
9.1/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
1 APIs
Financial-ServicesBankingUnited StatesConsumer BankingNeobankDigital BankingSavingsOpen FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 9.1/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.8 / 17
Access Clarity 3.6 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 5.0 / 9
Regulatory Posture 2.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/marcus: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Marcus Consumer Data Access (Aggregator-Only)

Marcus by Goldman Sachs does not publish a first-party consumer developer API. Consumer-permissioned account data is available only through third-party open-finance aggregators....

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Marcus Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: marcus
url: https://raw.githubusercontent.com/api-evangelist/marcus/refs/heads/main/apis.yml
name: Marcus by Goldman Sachs
kind: company
description: Marcus by Goldman Sachs is the U.S. consumer banking brand of The Goldman Sachs Group, launched in 2016 to offer
  no-fee high-yield Online Savings Accounts and Certificates of Deposit (CDs) directly to retail customers online. Deposits
  are held at Goldman Sachs Bank USA, a New York State-chartered bank and member of the Federal Reserve System, insured by
  the FDIC. After Goldman's broad retreat from consumer lending, Marcus no longer originates personal loans and now centers
  on digital deposit products. Marcus operates NO public first-party consumer developer API and runs no self-serve developer
  portal for its retail banking products; the Goldman Sachs Developer platform (developer.gs.com) serves institutional Transaction
  Banking and Marquee offerings, not Marcus consumer banking. Consumer-permissioned account data (balances, transactions,
  account/holder info) is reachable only through third-party open-finance aggregators such as Plaid, Flinks, and MX, not a
  documented Marcus API. As a bank chartered in the U.S., Goldman Sachs Bank USA is subject to the emerging CFPB Section 1033
  personal financial data rights framework, but no first-party FDX-conformant Marcus developer interface is publicly documented
  as of this record.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Consumer Banking
- Neobank
- Digital Banking
- Savings
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Consumer Banking
- Neobank
- Digital Banking
- Savings
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: marcus:marcus-aggregator-data-access
  name: Marcus Consumer Data Access (Aggregator-Only)
  description: Marcus by Goldman Sachs does not publish a first-party consumer developer API. Consumer-permissioned account
    data is available only through third-party open-finance aggregators. Plaid supports Marcus with the Assets, Auth, Balance,
    Transactions, and Investments products across Depository, Loan, Investment, and Other account types (US only). This entry
    is an honest data-access pointer, not a Marcus-operated API.
  humanURL: https://plaid.com/institutions/marcus-by-goldman-sachs/
  tags:
  - Data Aggregation
  - Open Finance
  - Consumer Data
  properties:
  - type: Documentation
    url: https://plaid.com/institutions/marcus-by-goldman-sachs/
common:
- type: DomainSecurity
  url: security/marcus-domain-security.yml
- type: Website
  url: https://www.marcus.com/us/en
- type: LinkedIn
  url: https://www.linkedin.com/company/goldman-sachs
- type: Support
  url: https://www.marcus.com/us/en/help-center
- type: TermsOfService
  url: https://www.marcus.com/us/en/site-terms
- type: PrivacyPolicy
  url: https://www.marcus.com/us/en/privacy-policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com