Marcus by Goldman Sachs Credit Rating
Marcus by Goldman Sachs is not a bank in its own right: it is a trading name of Goldman Sachs International Bank (FCA firm reference 124659), part of Goldman Sachs. Credit rating agencies rate the licence holder, not the brand, so Marcus by Goldman Sachs has no rating of its own. Goldman Sachs International Bank currently holds a blended long-term credit rating of A+, which is investment grade; that is the rating shown on this page. Marcus by Goldman Sachs is a trading name of Goldman Sachs International Bank, a UK bank owned by The Goldman Sachs Group, Inc. through Goldman Sachs Group UK Limited. Saga Savings accounts opened on or before 10 December 2025 are also held with Goldman Sachs International Bank and share the same limit; Saga accounts opened since are held with NatWest. A credit rating is an opinion on an institution's ability to meet its obligations, not a guarantee, and it is separate from deposit protection.
Goldman Sachs International Bank
FCA: 124659
24 October 2026
1973
The Goldman Sachs Group, Inc. (listed), via Goldman Sachs Group UK Ltd
Who owns which UK bankGoldman Sachs International Bank credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Fitch Ratings | AA- | Positive | 24 Oct 2026 |
| Moody's | A1 | Stable | 24 Oct 2026 |
| S&P Global Ratings | A+ | Stable | 24 Oct 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
24 Oct 2026 |
S&P, Moody's, Fitch |
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Frequently asked questions about Marcus by Goldman Sachs
Is Marcus by Goldman Sachs safe?
Marcus by Goldman Sachs operates under Goldman Sachs International Bank's banking licence, and Goldman Sachs International Bank holds a blended long-term credit rating of A+, which is investment grade. A rating is an independent opinion on the institution's ability to meet its obligations; it is not a guarantee and can change. Separately, eligible deposits with UK-authorised banks and building societies are protected by the FSCS up to £120,000 per person per banking licence. This page is information about published credit ratings, not financial advice.
What is Marcus by Goldman Sachs's credit rating?
Marcus by Goldman Sachs has no rating of its own. Its licence holder, Goldman Sachs International Bank, has a blended long-term credit rating of A+ from S&P, Moody's, Fitch; the per-agency figures are shown above.
Which bank is Marcus by Goldman Sachs part of?
Marcus by Goldman Sachs is a trading name of Goldman Sachs International Bank, FCA firm reference 124659, part of Goldman Sachs. Marcus by Goldman Sachs is a trading name of Goldman Sachs International Bank, a UK bank owned by The Goldman Sachs Group, Inc. through Goldman Sachs Group UK Limited. Saga Savings accounts opened on or before 10 December 2025 are also held with Goldman Sachs International Bank and share the same limit; Saga accounts opened since are held with NatWest.