If you’ve spent any time looking for a "Goldman Sachs mobile app" lately, you probably noticed things feel a little... disjointed. There isn’t just one app. It’s a mess of different icons depending on whether you’re a multi-millionaire, a casual saver, or an institutional trader.
And honestly? Most people are looking for Marcus.
But here is the thing: the Goldman Sachs mobile app experience is undergoing its biggest identity crisis since the firm decided to try retail banking in the first place. For years, Goldman tried to be everything to everyone. They wanted to be the bank for the 1% and the bank for the rest of us. Now, in early 2026, they are pulling back. They are retreating to what they know best—big money and institutional power.
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If you're using their apps right now, or thinking about moving your money there, you need to know which "Goldman" you're actually dealing with.
The Marcus App: The High-Yield Survivor
The most popular version of the Goldman Sachs mobile app is officially called Marcus by Goldman Sachs. This is the one for your high-yield savings accounts (HYSA) and certificates of deposit (CDs).
It’s a clean app. It’s fast. But it's also a shadow of what Goldman originally planned. Back in 2021, they wanted this app to be a "financial super-app." They added a robo-advisor called Marcus Invest. They had personal loans. They even bought a budgeting startup called Clarity Money just to strip its features for the Marcus app.
That dream is basically dead.
In mid-2024, Goldman sold off the Marcus Invest accounts to Betterment. If you go into the app today looking to trade stocks or manage a digital portfolio, you’ll find those doors closed. They also stopped offering personal loans.
So, what’s left?
- High-Yield Savings: Still one of the best in the business. As of January 2026, they’re still offering top-tier APYs that usually hover way above the national average.
- CD Management: You can open and track No-Penalty CDs or High-Yield CDs directly.
- The Referral Game: They’ve leaned heavily into their "Refer a Friend" program. Right now, you can get a 0.25% APY boost for three months by sending a link to a buddy. You can do this up to five times a year.
It’s a great "parking" app for your cash. Just don't expect it to do your taxes or trade Bitcoin.
The Apple Card Breakup: What It Means for Your iPhone
This is the big news that just hit in January 2026. If you use the Apple Card, you’ve technically been using a Goldman Sachs mobile app experience—even if it lived inside your Apple Wallet.
Goldman Sachs officially announced an agreement to transition the Apple Card program over to JPMorgan Chase.
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It was a messy marriage. Goldman lost billions of dollars trying to manage a credit card for the masses. They weren't used to dealing with customer service for millions of people or handling subprime credit risks. CEO David Solomon basically admitted that the firm is "narrowing its focus" back to its core franchises.
What happens to your app experience?
- The Transition Period: Don’t panic. The move to Chase is expected to take about 24 months.
- Apple Savings: Interestingly, Goldman says they will continue to service existing Apple Savings customers for now. There is no immediate agreement to move those high-yield accounts to Chase yet, though JPMorgan is reportedly planning their own version.
- UI Changes: For the next two years, your Wallet app will still look the same, but behind the scenes, the plumbing is being ripped out and replaced.
GS PWM: The App for the "Actual" Goldman Clients
If you have a few million dollars lying around, you aren't using Marcus. You’re using GS PWM (Private Wealth Management). This is the real Goldman Sachs mobile app in the eyes of the partners at 200 West Street.
It’s exclusive. You need a specific Goldman.com username provided by your wealth team to even log in.
The GS PWM app is much more "white glove" than Marcus. It’s designed for complex portfolios. You can see your alternative investments, private equity holdings, and move massive amounts of money via wires. They recently updated it with a feature called "One Goldman Sachs 3.0," which uses an AI they call Ella to help wealthy clients find market insights.
It also includes Ayco integration. Ayco is the firm's financial counseling arm often offered to corporate executives. If your company provides this as a perk, this is the app you'll use to track your stock options and retirement goals.
The Technical Reality: Why the Reviews are Mixed
If you head to the App Store or Google Play, you’ll see the Goldman Sachs mobile app (Marcus) has a decent rating, but the comments are... spicy.
Users often complain about the Face ID logout issues. Basically, if you manually log out, the app sometimes "forgets" your biometric settings, forcing you to type in a long password and go through 2FA all over again. It’s a security feature that feels like a bug.
There's also the "transfer lag." Because Goldman doesn't have physical branches, moving money out of the Marcus app to an external checking account can take 1-3 business days. In a world of instant payments, this feels like an eternity to some users.
Actionable Steps for 2026
If you are a current or prospective user, here is how you should navigate the Goldman ecosystem right now:
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- For Savings: Stick with the Marcus app. Despite the company shifting its strategy, the Marcus deposit platform is one of the few consumer pieces they are keeping. It's safe, FDIC-insured, and the rates remain competitive.
- For Investing: If you were a Marcus Invest user, your account is now at Betterment. Download their app instead. Goldman is no longer in the business of robo-advising the general public.
- For Apple Card Users: Keep using your Apple Wallet as normal. You don't need to do anything. You’ll get a notice late in 2026 or 2027 when it’s time to officially sign new terms with Chase.
- For Security: Enable Push Notifications for every transaction. Goldman’s apps are getting better at fraud alerts, but they still aren't as "instant" as a tech-first bank like Monzo or Chime.
The era of Goldman Sachs trying to be your "everything bank" is over. What remains is a very solid, very specific tool for high-yield savings and ultra-high-net-worth management. Choose the app that actually fits your tax bracket.