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{"id":29251,"date":"2023-04-17T21:49:41","date_gmt":"2023-04-17T21:49:41","guid":{"rendered":"https:\/\/scienceandnerds.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-4-15-interest-rate\/"},"modified":"2023-04-17T21:49:42","modified_gmt":"2023-04-17T21:49:42","slug":"apple-launches-apple-cards-savings-accounts-with-4-15-interest-rate","status":"publish","type":"post","link":"https:\/\/scienceandnerds.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-4-15-interest-rate\/","title":{"rendered":"Apple launches Apple Card\u2019s savings accounts with 4.15% interest rate"},"content":{"rendered":"

Source:https:\/\/techcrunch.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-415-interest-rate\/<\/a><\/br>
\nApple launches Apple Card\u2019s savings accounts with 4.15% interest rate<\/br>
\n2023-04-17 21:49:41<\/br><\/p>\n

\n

Apple Card customers in the U.S. can open a savings account and earn interests starting today. When the company originally announced the new financial product back in October<\/a>, Apple said that it couldn\u2019t share what interest rate would be paid out on these accounts because rates are fluctuating so much these days.<\/p>\n

As of today, Apple is going to offer an APY of 4.15%. It looks like a competitive offering when you look at data from Bankrate<\/a> \u2014 you can currently find savings accounts that offer an APY of 3.5% to 4.75%. The company isn\u2019t making any promise when it comes to future interest rates. It could go up and down at any time.<\/p>\n

Apple has partnered with Goldman Sachs once again for the banking feature. Savings accounts are technically managed by Goldman Sachs, which means that balances are covered by the Federal Deposit Insurance Corporation (FDIC).<\/p>\n

This high-yield savings account has been created specifically for Apple Card customers. When customers pay with their Apple Card, they get cash back on all purchases. By default, all purchases grant you 1% in cash rewards and 2% for all purchases made using Apple Pay. Purchases with select merchants unlock 3% in rewards.<\/p>\n

By default, customers receive cash rewards every day into Apple Cash, a pocket of money that appears in the Wallet app and that works more or less like a checking account. Your Apple Cash balance can be used to pay for things using Apple Pay, for your credit card balance or to send money to friends and family members. You also can transfer this balance to a regular bank account.<\/p>\n

Starting today, Apple Card users can choose to deposit their daily rewards into their savings accounts. It\u2019s a way to save money without having to think too much about it.<\/p>\n

Your savings account is accessible from the Wallet app as well. You can see your current balance, the current interest rate and your most recent transactions. From this screen, users can also manually add or withdraw money. The balance can be transferred to Apple Cash or a regular bank account.<\/p>\n

\u201cSavings helps our users get even more value out of their favorite Apple Card benefit \u2014 Daily Cash \u2014 while providing them with an easy way to save money every day,\u201d Jennifer Bailey, Apple\u2019s vice president of Apple Pay and Apple Wallet, said in a statement. \u201cOur goal is to build tools that help users lead healthier financial lives, and building Savings into Apple Card in Wallet enables them to spend, send, and save Daily Cash directly and seamlessly \u2014 all from one place.\u201d<\/p>\n

There are no fees associated with Apple\u2019s savings account. However, there is a maximum balance limit<\/a> of $250,000. The APY of 4.15% applies to any sized balance and there is no minimum balance required.<\/p>\n

\"Two<\/p>\n

Image Credits:<\/strong> Apple<\/p>\n<\/div><\/div>\n

<\/br><\/br><\/br><\/p>\n

Science, Tech, Technology<\/br>
\n<\/br>
\nSource:https:\/\/techcrunch.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-415-interest-rate\/<\/a><\/br><\/br><\/p>\n","protected":false},"excerpt":{"rendered":"

Source:https:\/\/techcrunch.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-415-interest-rate\/ Apple launches Apple Card\u2019s savings accounts with 4.15% interest rate 2023-04-17 21:49:41 Apple Card customers in the U.S. can open a savings account and earn interests starting today. When the company originally announced the new financial product back in October, Apple said that it couldn\u2019t share what interest rate would be paid out on […]<\/p>\n","protected":false},"author":1,"featured_media":29252,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"pagelayer_contact_templates":[],"_pagelayer_content":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26,17,8],"tags":[],"class_list":["post-29251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-science","category-tech","category-technology"],"yoast_head":"\nApple launches Apple Card\u2019s savings accounts with 4.15% interest rate - Science and Nerds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scienceandnerds.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-4-15-interest-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apple launches Apple Card\u2019s savings accounts with 4.15% interest rate - Science and Nerds\" \/>\n<meta property=\"og:description\" content=\"Source:https:\/\/techcrunch.com\/2023\/04\/17\/apple-launches-apple-cards-savings-accounts-with-415-interest-rate\/ Apple launches Apple Card\u2019s savings accounts with 4.15% interest rate 2023-04-17 21:49:41 Apple Card customers in the U.S. can open a savings account and earn interests starting today. 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