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In the United States Apple Card has taken a step further to become a banking service in the round. La Mela has in fact introduced, thanks to the support of Goldman Sachs, a “high yield” savings account which will allow you to accrue interest on deposits.
US users can then set up an automatic recurring deposit or transfer funds from a linked bank account or Apple Cash balance to put their savings to work. According to the information available, these will be funds that are always available, which will be freely usable at any time, without commissions. There are also no minimum deposit amounts or balance requirements.
The service is not yet active, but it will be in the coming months. What is still unclear is what the interest rate is applied: deposit accounts usually do not offer particularly high returns, and it is simply a way to allow savings to keep up with inflation. However, it is not known whether the current market scenario with particularly angular inflation could somehow determine more interesting rates for this type of services.
Goldman Sachs already offers something similar: it is a savings account called “Marcus”, available through the app, and which has a
annual yield of 2.15%, again without commissions, obligations or minimum deposits. It is possible that the Apple Card offer is in fact identical or very similar, to which is added the advantage of being able to make automatic daily deposits.
Apple Card is a credit card issued by Goldman Sachs that is however only available in the United States, and Apple has never yet mentioned plans to offer it in other markets. It is however interesting to observe from afar what the steps of Apple are in the financial services market, since they could suggest the adoption of similar strategies also by competitors, possibly even outside the US market.
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