Why don’t I have a Savings option on my card?

Sorry to learn you’re experiencing difficulties. Let’s start with the basics and continue to the application for Apple Savings Account. Updating your iPhone to iOS 16.4.1 or higher is necessary or the application links will not appear. Link to update is below.

What you need to open and maintain an account

• Be an owner or co-owner of an active Apple Card account and add Apple Card to your iPhone.
• Be at least 18 years or older.
• Have a social security number or individual taxpayer identification number.
• Be a U.S. resident with a valid, physical U.S. address.
• Set up two-factor authentication for your Apple ID and update to the latest version of iOS.
• Apply within US
• Apple Cash Account must be verified.
• iPhone must be updated to iOS 16.4.1 or higher.

iPhone must be updated to latest version of iOS, 16.4.1 or higher, this requires an iPhone 8 or higher.

Update your iPhone or iPad - Apple Support

iPhone must be updated or you can’t apply. Your Apple Cash account must be verified to transfer funds from Apple Cash account.

Identity verification for Apple Card or Apple Cash - Apple Support

Once you’ve checked and verified the above requirements, you can apply for Apple Savings Account by following the steps in this support article.

Set up and use Savings in Apple Wallet - Apple Support

If you would like to view a post with screenshots showing each step, follow this  link.

Why I can’t open a savings account - Apple Community

Please do not confuse Settings app for Wallet app! The Wallet app is where you start to navigate to for approval for Apple Savings account.

If you experience issues, please let us know by adding a comment to your post.

Is your iPhone updated to iOS 16.4.1?

What you need to open and maintain an account

• Be an owner or co-owner of an active Apple Card account and add Apple Card to your iPhone.
• Be at least 18 years or older.
• Have a social security number or individual taxpayer identification number.
• Be a U.S. resident with a valid, physical U.S. address.7
• Set up two-factor authentication for your Apple ID and update to the latest version of iOS.

1. A valid street address must be in (i) the U.S.; (ii) the territories of Puerto Rico or United States Virgin Islands; or (iii) a U.S. military base or U.S. embassy (i.e., an Army/Air Post Office, Fleet Post Office, or Diplomatic Post Office address). You cannot use a post office box (other than on a U.S. military base or at a Diplomatic Post Office).

Are you logged into the Apple ID/iCloud account you used when you opened your Apple Card MasterCard account?

Should look like this.

You’re welcome! Enjoy your new Apple Savings account!

I see the Apple card in my wallet. I’ve updated to 16.4.1 but still do not have the savings account option.

Thanks for the quick response! I can see it now.

That’s great! Enjoy your new Apple Savings account.

I still can’t see the set up option. Does my Puerto Rico address have something to do with it?