Savings is not an option on my iPhone 11

Your iPhone must be updated to iOS 16.4.1 or higher. The links will not appear until you update.

Update iOS on iPhone - Apple Support

Once the update is complete, please follow the steps in this support article below,

Set up and use Savings in Apple Wallet - Apple Support

Please read my reply again. You will not see the required links/buttons until you update your iPhone.

You should be looking here in the Wallet app on your iPhone.

Some community members are looking in the settings app.