The Apple Savings Account is currently only accessible to Apple Card users, and although the interest rate on savings is quite good, one of the unique features of an Apple Savings Account is how you actually access the account.
There's no standalone Apple Savings app, nor a specific Savings section in the Wallet app, and there's no website where you can log in to view your account or manage your funds. So, how do you check your Apple Savings Account and how do you reach it?
Similar to many other iOS features that are hidden behind layers of complexity or tucked away in unexpected places, it’s understandable if you signed up for an account and then couldn’t figure out how to access it. Here's a guide to help you out.
How to Access Apple Savings Account on iPhone
At the moment, the only way to access your Apple Savings Account is through the Wallet app, specifically using your Apple Card. Yes, you heard right—you need to go through your Apple Credit Card to get into your Apple Savings Account. Strange? Perhaps. But here’s how:
Launch the Wallet app on your iPhone
Tap on your Apple Card
Scroll down past the card details and balances until you see “Savings” and tap on it
You've now entered your Apple Savings Account, where you can view your balance history, interest information, make withdrawals, or deposit more funds
That's all—now you’re inside your Apple Savings Account.
How to Add Funds or Withdraw from Apple Savings Account?
Access your Apple Savings Account via the Wallet app > Apple Card > Savings > as outlined above.
To deposit money into your Apple Savings Account, click on the “Add Money” button here.
If you'd like to withdraw money from your Apple Savings Account, click on the ‘Withdraw’ button here.
Is There an Apple Savings App? Does Apple Savings Have Its Own App?
Currently, there is no separate Apple Savings app. The Apple Savings Account can only be accessed through the Wallet app—for now.
Is There a Website Where I Can Log Into My Apple Savings Account?
At present, there's no website or alternative method to access your Apple Savings Account. The sole way to access your Apple Savings Account is within the Wallet app on your iPhone.
What Happens If I Lose My iPhone and Apple ID? How Do I Access My Apple Savings Account Without Login Details or My Phone?
Excellent question! This is something best clarified by contacting Apple Support directly at http://www.miracleart.cn/link/204646303bc289b090681c4b158cf5fb, or potentially reaching out to Goldman Sachs, the bank behind the service.
Since the Apple Savings Account is relatively new, it's unclear how losing your Apple ID might affect access to your Apple Savings Account and your funds.
Generally speaking, if you lose your Apple ID, or if someone steals it and changes the password, or if someone gets hold of your recovery key and locks you out, you're likely permanently locked out of your account, as recently highlighted by the Wall Street Journal. Perhaps with Apple Savings Accounts offering FDIC insurance linked to an Apple ID, there may be a new account recovery process introduced? However, this hasn't been confirmed yet.
Presumably, an account holder could retrieve their funds by verifying their identity with Goldman Sachs, but what happens to the associated Apple ID if it's lost or stolen remains uncertain.
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This post was inspired by a friend who eagerly set up their Apple Savings Account when it first launched, only to later feel confused and frustrated because they couldn't figure out how to access the account days later. They were expecting a dedicated app, a tab, or even a web portal (like most online savings accounts), but found none of these options, which led them to question the security of the account being tied to their Apple ID. Completely reasonable questions and concerns!
What are your thoughts about the Apple Savings Account? Did you sign up for one? Will you use it for all your savings needs? Would you trust up to $250,000 (the FDIC insurance limit per account) in an online savings account that can only be accessed via the Wallet app and your Apple ID? Share your opinions in the comments below!
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