苹果(AAPL）加入存款“争夺战”储蓄账户年收益率达4.15%

月亮的雨2023-04-18 17:04

楼主 (北美华人网)

周一，苹果公司(AAPL.US)宣布，其Apple Card储蓄账户的年收益率为4.15%，并且没有最低存款或余额要求，用户可以通过iPhone上的钱包应用程序设置账户。这一举措引起了广泛关注，因苹果提供的收益率远高于美国平均储蓄账户的年收益率。同时，这也反映了美国银行业的竞争仍在激烈进行。通过Apple Card，用户可以享受每日返现计划，最高可达3%的消费返利。所有的每日返现都会自动存入储蓄账户中。用户可以随时更改每日返现的存放地方，也可以将银行账户中的钱转入该储蓄账户，以增加收入。Apple Card的储蓄用户可以通过在钱包应用程序中的仪表板来管理他们的账户，查询利息和账户余额，或提取资金。苹果公司负责Apple Pay和Apple Wallet的副总裁Jennifer Bailey表示：“储蓄账户帮助用户从他们最喜欢的Apple Card福利每日返现中获得更多的价值，并为他们提供了一种每天省钱的简便方法。”苹果的目标是构建工具，一体化服务帮助用户的财务生活更加健康，并将储蓄构建到Apple Card的钱包应用程序中，使用户能够直接无缝地消费、发送和保存每日返现。苹果公司与高盛合作推出了上述储蓄账户。苹果提高储蓄账户的收益率，表明其在进军金融服务领域的道路上继续前行，同时凸显了美国银行业存款争夺战仍在继续。今年3月，硅谷银行的倒闭掀起了美国银行业危机，许多美国储户将存款转移到大银行或将资金投向收益更高的货币市场基金。与此同时，一些中小银行为吸引储户提高了支付给储户的利率。例如，总部位于洛杉矶、拥有大量初创企业客户的银行PacWest Bancorp(PACW.US)，最近几周为一款较短期的定期存单(CD)提供了高达5.5%的利率。

月亮的雨2023-04-18 17:04

2 楼

好像还是中国高，中国保本保息的美元理财，半年最低4.9%.

Cath2262023-04-18 17:04

3 楼

好像还是中国高，中国保本保息的美元理财，半年最低4.9%.
月亮的雨发表于 2023-04-18 13:14

没理解错的话 apple这个是saving account啊随存随取跟理财完全不是一回事除非那种日结的理财还可以有点点可比性

月亮的雨2023-04-18 17:04

4 楼

没理解错的话 apple这个是saving account啊随存随取跟理财完全不是一回事除非那种日结的理财还可以有点点可比性
Cath226 发表于 2023-04-18 13:18

这么好？那很值得，像零钱包一样。

月亮的雨2023-04-18 17:04

5 楼

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.

月亮的雨2023-04-18 17:04

6 楼

申请链接开户的位置在 iOS Wallet app -> Apple Card -> 右上角3个点 -> Daily Cash -> Savings -> Set Up 注意 iOS 版本至少是 16.4.1，如果你在Wallet app里看不到申请这个账户的按钮，可以看看是不是需要升级一下iOS版本。账户基本情况年利率 (APY) 目前（2023.4）是 4.15%，和其他几家大的银行相比算是稍微高一截了。月费 $0。开通了这个savings账户以后，Apple Card 信用卡赚到的返现可以自动存到里面赚利息。存款上限是 $250,000 再多就不让存了。只有 Apple Card 信用卡持卡人可以申请。总结 Apple 也开始参与银行业的竞争了。这个账户背后是由高盛 Goldman Sachs 提供的，其实相当于是套皮的 Marcus Savings by Goldman Sachs 吧，它的利率还更高一点，所以如果你是果粉的话值得开一个。申请链接开户的位置在 iOS Wallet app -> Apple Card -> 右上角3个点 -> Daily Cash -> Savings -> Set Up 注意 iOS 版本至少是 16.4.1，如果你在Wallet app里看不到申请这个账户的按钮，可以看看是不是需要升级一下iOS版本。