# Marcus by Goldman Sachs

**Canonical:** https://apis.io/providers/marcus/  
**Website:** https://www.marcus.com/us/en  
**APIs profiled:** 1

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.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **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 (1)

- **Marcus Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Consumer Banking, Neobank, Digital Banking, Savings, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/marcus/). Scores are computed from the provider's own public artifacts under a published rubric.