Why can't I open an Apple Savings account?

Please update your iPhone to 16.4.1, no exceptions and then follow my instructions 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 latest version of iOS, 16.4.1, 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 continue to experience issues, please let us know by adding a comment to your post.

In this community it’s best to always create a new post for fastest answers and the correct help/answers.

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.

https://discussions.apple.com/thread/254807120

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.

Good to know!

Go to Wallet App on iPhone.

Please go to Apple Card in Wallet.

Tap Apple Card

You should see More Button ( . . . ) in upper right corner. Please tap More Button.

Please tap Daily Cash $

You should see Savings Setup. If you want Apple Cash to automatically go to your Apple Savings please make sure check mark is active/checked.

If you want to read any of the documents or download them, you may choose to do. I always recommend people read what they sign. You can access the documents later via the Savings section of your Apple Card.

AGREE to the terms and conditions

Yes, you’re almost there!

Answer no, unless you have received a letter from the IRS garnisheeing your wages/income or you are already under garnishment.

Agree to Opening your new Apple Savings account.

If anything fails please let me know. If you succeed and open your account please let me know.

Authorized Users (participants) are not eligible for Apple Savings account. Only account owners and co-owners may apply.

Helped somebody with this. They were not verified. Once verified, the Saving setup appeared.

Is your iPhone updated to iOS 16.4.1?

All went well. Please note that I persisted in opening the app via settings, where the is no "More" button. As soon as I opened the app from the home page, I found it.

It is only available in the USA.

Has nothing to do with paying for an iPhone.

Let’s walk through this together. Let’s check your iPhone’s system. Please view the photo below. My iPhone shows iOS 16.5 because I’m a beta tester. Yours will show iOS 16.4.1 Please confirm.

You can see this information by going to Settings > General > About

Next step, please log out of your Apple ID/iCloud account.

Once signed out please do a forced restart of your iPhone.

Force restart iPhone - Apple Support

Once iPhone restarts log back into your iCloud account. You can repeat the process by rolling the photos above.

Please log back into your Apple ID/iCloud account.

Your screen should look like this.

You should be looking at your Apple Card in your Wallet app on your iPhone.

Second poster here: checked both those boxes. Still no access to “open savings.” Maybe because I’m still paying for the phone?

How do you get verify? I have an Apple Card and I’ve been using it. However when I try to set up savings it tells me it’s unavailable. I called savings support and they said it’s an ongoing thing and they can’t do anything on their end. So I’m won if it’s an apple problem or the bank?

I have updated my iOS. I have verified my Apple Card and cash. I have signed out of my Apple ID and restarted my phone. Yet, when I try to open an apple savings account it says Apple Pay services are currently unavailable. Support has not helped at all.