April 17, 2023
Apple Card’s new high-yield Savings account is now available, offering a 4.15 percent APY
Apple Card users can choose to grow their Daily Cash rewards by automatically depositing their Daily Cash into a high-yield Savings account from Goldman Sachs.
Starting today, Apple Card users can choose to grow their Daily Cash rewards with a Savings account from Goldman Sachs, which offers a high-yield APY of 4.15 percent1 — a rate that’s more than 10 times the national average.2 With no fees, no minimum deposits, and no minimum balance requirements, users can easily set up and manage their Savings account directly from Apple Card in Wallet.3
“Savings helps our users get even more value out of their favorite Apple Card benefit — Daily Cash — while providing them with an easy way to save money every day,” said Jennifer Bailey, Apple’s vice president of Apple Pay and Apple Wallet. “Our 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 — all from one place.”
Once a Savings account is set up, all future Daily Cash earned by the user will be automatically deposited into the account. The Daily Cash destination can also be changed at any time, and there’s no limit on how much Daily Cash users can earn. To build on their savings even further, users can deposit additional funds into their Savings account through a linked bank account, or from their Apple Cash balance.
Users will also have access to an easy-to-use Savings dashboard in Wallet, where they can conveniently track their account balance and interest earned over time. Users can also withdraw funds at any time through the Savings dashboard by transferring them to a linked bank account or to their Apple Cash card, with no fees.4
The new Savings account from Goldman Sachs builds upon the financial health benefits that Apple Card already offers, with absolutely no fees,5 Daily Cash on every purchase, and tools that encourage users to pay less Apple Card interest — all, while offering the privacy and security users expect from Apple
Apple Card’s new high-yield Savings account is now available, offering a 4.15 percent APY - Apple
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アップルが米国で預金口座サービス 金利4%、全米平均の10倍
米アップルは米ゴールドマン・サックスと連携して銀行口座サービスを提供する=アップル提供
米アップルと米金融大手ゴールドマン・サックス（GS）は17日、アップルが米国で運営するクレジットカード「アップルカード」の利用者向けに普通預金口座の提供を始めた。金利は年4・15%と全米平均の10倍以上となり、既存の金融機関などとの競争が激しくなりそうだ。
【写真】「冗談だろ」三木谷氏激怒 楽天ケータイその理想と現実
新サービスは手数料なしで、最低残高などの制限もないという。口座の管理はGSがおこなう。iPhone（アイフォーン）向けのアプリ「ウォレット」上で残高などの情報を確認できる。アップルカードで買い物をした際のキャッシュバック分が、自動的に口座に入金されるという。 アップルは先月、米国で「Buy Now Pay Later（今買って後で払う）」と呼ばれる決済サービスを始めるなど、テクノロジーを活用した金融サービス「フィンテック」分野に力を入れている。
（サンフランシスコ=五十嵐大介）
朝日新聞社
アップルが米国で預金口座サービス 金利4%、全米平均の10倍（朝日新聞デジタル） - Yahoo!ニュース