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.