Hands On: New Apple Card Savings Account | Setup & Everything You Need To Know!
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- Опубликовано: 27 июл 2024
- Apple finally released their high yield savings account and is offering 4.15% APY! You do need an apple card in order to take advantage of this though.
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I find the best way to use the Apple Card to gain Apple Cash is to setup small automatic payments with it. Examples: Setup your cellphone, steaming services, and other small bill payments with the card. Than pay off the bill in full with your debit card every month. You’ll build consistent credit this way too.
I want to do this, but I’m too thick to figure out how. Can you tell me how you did it?
I'm glad they kept the name "Apple Card Savings Account" basic and to-the-point. Financial things are intimidating, so making it obvious helps people on the fence about switching.
If Apple was really smart they would raise cash back percentages. Apple products 4%, apple pay 3%, and apple card 2%. This is what I want Apple to do.
@@thebootielover battery iPhone 14pro Max best or ipad pro M2 12,9?
Next thing for Apple to do is to come with cellphone provider. 🤩
And real hearing aids… 👂
@@l1uywpap1 there is hearing aid in Accessibility > Hearing Devices, is that what you mean or even better then that.
@@jenovaizquierdo AirPods are the only thing Apple has that are
Assisted Listening devices, they are not adequate for hard of hearing individuals.
If Apple was really smart they would raise cash back percentages. Apple products 4%, apple pay 3%, and apple card 2%. This is what I want Apple to do.
@@l1uywpap1 I see.
Just waiting on that Apple Checking account
For the first time in my life I now have a savings account! Granted it only has $1.50 in it but hey, it’s a start.
Congrats 🎉!!! Hey its better to have the account then not have anything at all🤷🏻♂️
Bravo! Kudos to you for getting started, as that’s the 1st step, because if you don’t take the 1st step, you can’t take the 2nd or 3rd step, therefore, you can never finish, because if you don’t take the 1st step, you’re already finished. Congratulations! Cheers 🥂
I saw your video a couple of weeks ago talking about the card. I applied for it that day and got it. Got the physical card about 3 days later.. After this video, I set up a savings account.
Already set it up on the first day when I seen the +4% APY. It was a no-brainer!
Yes I just opened the savings account to try it out. I hope Apple keeps this because it is real easy to transfer money in.
Just opened mine and transferred Daily Cash into Savings. This will certainly upset some banks just because of the ease of setting it up.
🐬Thanks for this! I did the setup along with you. Wish I had seen your video earlier because I used some of the money on my Apple Cash card earlier 😅. I wish my mother was more tech savvy because I would set this up for her. Even the teller at her bank told her her money isn’t collecting anything in the savings account she currently has.
Thanks for this tutorial.😊
🐬 thank you so much for talking the steps to set that up and showing just how easy it is to do from start to finish.
great job with this video! congrats to Apple for offering up to 10x the national average and blowing away the greedy/corporate banks that might offer 0.2% APY
Already moved all my money in savings from my current bank which is paying 0.02%. Apple is basically giving away free money if you manage yourself properly.
Keep in mind this apy generally moves with fed rate so it move all the way down to 0.50 apy
@@Native722 yes but apple will keep it high to get people in. I moved 16 k today. Do the math.
@@dagobs23 can you move another 16k into my bank?
@@Painfulwhale360 does your account pay the same? Lol. Even if it’s for a couple months. Nice return. Not much out there
@@dagobs23 I personally offer 10% 😂
Set up!! Thank you 🐬
With my credit union, I Currently I have several savings accounts like my property tax account, vacation account, vehicle insurance deductible, etc etc. so I would like Apple Saving to have separate nicknamed sub accounts or buckets under the main Savings account to visually categorize my money to make sure I saved enough for each particular task. Hopefully that comes soon.
Good one @ Ded Ede
I’m going to try!!! Thanks.
Pretty quick and ssy set up. I followed yiur video while im setting up this apple sacings acct.
Thanks very much for walking through the setup process for me. I’m now setup and moving money to this account.
Thanks Fernando Great Video was wondering how to access this!! Thanks Again🐬
🐬 Thanks Fernando. I already set it up and I am transferring some money from my bank into this new savings account. I'm pretty excited about the high interest rate.
Thanks for the help.
Excellent video, thanks!
Thank you for a great guidance on how to open saving account. You rock!
just set mine up! 🐬
Thanks for your guide 😊
Excellent and informative thanks a lot 🐬
Thank you so much! I consider myself pretty techie, but just couldn’t figure this one out.
I have Ally Bank savings too… but this is pretty slick if you have an iPhone/AppleCard. Thanks! 🐬
Great video thanks.
Just opened the account. Thanks Fernando!
Been asking them if or when this will be available in the UK? But unfortunately I don't think it will happen in the near future 😕
I wish we had Apple Card and Apple Cash in the UK 😭😭😭
Great video on this man
Is there automatic deposit from my regular bank account to the savings account?
can't wait to actually get the card, should be here by next week, btw what's the stand your using for your iPad
🐬can’t wait to sign up.
I see the benefit, but I also think is because of the high interest rates, so I would say, do it now, but don't think it will be forever!
Muchas gracias, Fernando! I opened an account while watching this video and moved my Apple Cash balance into it.
🐬 Great tutorial! Thanks as always.
Opened it up a hour ago or so. Thinking of closing my local saving account and going all in into this one. I hope that’s not crazy. 🐬🐬
Same, I will still keep a CU in case I need a car loan or something one day. Also, what would I do during the 1% of the time that I need some cash. There are some things that I think i still need from a CU
Just put $200,000 in this and another $200,000 in something like CIT or UFB. Diversify even with your passive income. This is the maximum low risk method, if you don’t mind risk then put some into an ETF.
@@MrWhiterunGuard Agreed. Moving majority of my savings from bigger BofA to Apple and just holding at Apple. Im using this Apple account for the 4.15% and not a spending account. Just hope they dont get hacked.
Keep in mind your ability to get physical cash. If you are 100% with apples savings account, I’m not sure you can use an ATM or other method of getting direct cash.
@@SeanMcClintic yes agreed. Use Multiple banks. Like they say. Don’t keep all your apples in 1 basket? Hahaha. Come on!!!!
At 1:44 I don’t have that savings button. What should I do?
🐬 great video!
I didn't get the option to move my Apple cash to my savings I just set up and not sure how to move it. When I go to add money to it, it only allows my bank account to put money there.
Another great video
I don’t have it yet? How do I get it because i don’t have that option
Moved my Daily Cash to savings account. I’d like to see the ability to automatically transfer money into the savings account on a recurring basis. That would be a great feature. 🐬
If you go to the account info you can find the savings account routing and account number. You can just use that to set-up reoccurring transfers from your other banks
Out of curiosity and inexperience, does the 3% also count for Uber One subscription?
Can the routing numbers provided by the Apple savings account be used to pay credit card balances from other banks? Thanks in advance.
This is awesome!! been an apple user forever. Question! moving money $$$ to the Apple Card savings account. don't see an option to fund this account under my living trust. If were to die GS will most likely keep that money. All my bank accounts and savings are under my trust.
You just made setting this up so easy. Many thanks.
Mine is not giving me the option for a savings account 🐬
Make sure IOS on your phone is version 16.4.1
I did it with you but didn’t get the pop-up option to add my daily cash balance to the savings account. How can I do this now?
Do you know if this new Apple's Savings can be linked/connected to Mint? thanks a bunch!
man, if i had that over here in germany..
I don’t have the option to sign up does it require iOS update?
Apple has perfected what I call the “convenient factor” and I’m all about it. I opened an Apple Card and AC savings account In less than 10 minutes while laying in bed
Yes super convenient 1000% 🎉
Does this run your credit
Thank you for your videos. Do I must have the Apple Cash? I have an Apple Credit Card. Thank you.
Hey bro. Love your videos. Just a request. Apple Card and savings doesn’t work in many countries other than USA (I’m in Singapore). I was wondering if there are any online only savings accounts that will work outside of USA worldwide that have decent APY
Maybe try looking into the American Express High Yield Savings Account. I just recently set one up and I think it’s fine so far.
Question it didn’t pop up with the Daily Cash on the saving like your video
i just got approved for an apple card and am currently having problems finding the savings account set up, do i need to use the card to find the option?
The interest is taxable though. Might be better to use a non taxable money market fund
i use the amex savings account
🐬 Thx for the info!
Hi! I am having trouble finding an online website for the apple hysa. For example if my phone gets stolen or lost how do I check my account?
I didn't get the pop-up to transfer my Daily Cash and I see others in the comments having the same issue. It turns out I never verified identity on my Daily Cash account. Once I did that I was able to transfer my Daily Cash directly to the Apple Card Savings.
Thank you! That was my issue also.
Thank you 🐬
Able to set up as fast as you went through the steps
All in 💪🏽
Thanks! I don't have an apple card. Is that difficult to get?
It’s as difficult as any credit card.
Whatever happened to Apple Pay later? is it available yet?
I just signed up for the savings account and didn't get the pop-up to transfer my apple cash money into my savings. How do I do that now?
Is it not giving to everybody. Cause I’m trying to see if I need to update anything. And I don’t have any updates. And I don’t see it where you showed it was
Going to look hard at this option.
🐬
I wish we had this and Apple Card in the UK
Apple is giving the banks a run for their money and I love it!
If they keep the rate good and dont limit # of transactions in or out I’m good with it
They will not limit number of transaction but APY is deff subject to change.
@@9to5Mac yep… wonder if there is a good way to keep track of it, some banks really stealth you with bait and switch!
What do you answer to the IRS question? What is that asking?
series i treasury bond is 6.89%, but the apple ui is clean
I just signed up for a apple card today. Do I need to start making purchases in order to see the savings account option once I click daily cash? I currently do not see the options under Daily Cash Election or the Daily Cash Election option for that matter. - PS love the EVRFWD sweatshirt shoutout to Maxx Chewning!
Firstly we love Maxx Chewning! Secondly, since you just signed up it could take a few days to give you that option. But keep checking, it should show up soon. Daily Cash back is one way to earn in order to add to your savings but you can also just deposit from you bank into the savings account
Also make sure you are on iOS 16.4 or newer
@@9to5Mac Thanks for the quick reply! And eat more sour strips! ;)
@@9to5Mac This solved it! Thank you!
If you have a older iPhone it won't give you the option, I have a iPhone 7 and it won't show that option...
What about Reg D? You are limited how many withdrawals you can do per month
where you get your wallpaper?
I get the message Apple Services are currently unavailable when I go into my Apple Card and try to set it up.
It’s easy to get 8% interest rate here in India. You can also get as much as 11 or 12 % if you can lock your money for a certain amount of time.
i find this hard to believe.
It’s true
@@foodini666 It’s true and the major reason behind this is inflation. Just look at the interest rate in Argentina, it’s 100%. Now you might think that keeping money in Argentina is a smarter choice but the currency has lost more than half its value in the 1 year which means even after 100 percent return you would have made a loss compared to keeping the money as US dollar with no interest.
Like you said, it’s a no-brained for the Apple Cash. 🐬
In India, inflation is 5-6%. And savings accounts give around 2-3%. But fixed deposits offer above 5-6%. Some even 7.75 to 8%.
Indian banks offer way better interest rates than the U.S banks. If you reside in india and use an Indian bank, chances are that you are already getting a far better deal…
then you probably don't need this.
I could not transfer funds from Daily Cash. No popup screen appeared like in the video. May be an Apple software glitch.
Does it work on Android or Macbook???
So how often do we see them add interest. Is it monthly or yearly?
I have the same question.
Monthly.
Receive Monthly but it’s compounded daily
Daily
I Sign up for the saving accounts
Can you receive an actual
Physical card or no?
It makes me apply for their credit card
You need to have the Apple credit card in order to open the savings account
@@evoben24 that's what I basically just said
I have Apple Card but its not giving the saving option yet... maybe soon?
how to transfer money from Daily Cash to the new Apple Savings account?
I tried opening like you did. I am under review now! See how long that takes!
Available with just Apple Cash no credit card?
No
If I don’t have an Apple Card can I still apply?
Have you been able to transfer money from your Sofi Account to the Apple Saving Account? I’ve been having trouble linking the two accounts.
I'm Android user, and wonder if I could access Apple Card and Savings account from my Galaxy. Please enlighten me, TY.
So what does that mean? Savings you cannot touch for lengthy period of time?