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You can add or delete an Apple Savings beneficiary in the Wallet app: open Apple Card → Savings Account → More → Account Details → Beneficiaries. Apple’s current instructions say to update your iPhone to the latest iOS first; the exact labels on later screens may vary.
How to add a beneficiary to Apple Savings
This iPhone-first process applies to Apple Savings accounts in the United States. Apple says eligible Apple Card Owners and Co-Owners must each open their own individual Savings account; availability is subject to eligibility and geographic restrictions. See Apple’s Savings account instructions.
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- Update your iPhone to the latest available version of iOS.
- Open Wallet.
- Tap Apple Card.
- Tap Savings Account.
- Tap the More button, usually shown as three dots.
- Tap Account Details.
- Tap Beneficiaries.
- Choose the option to add a beneficiary and follow the on-screen instructions.
- Review the designation before submitting it.
Apple documents the path through the Beneficiaries screen but does not specify every subsequent button label. If the app’s wording differs, follow the choices shown on your current iOS version.
What information may be requested?
Apple’s Apple Savings privacy notice says encrypted beneficiary information is sent through Apple to Goldman Sachs. You may be asked for the beneficiary’s:
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- Full name and address
- Phone number
- Relationship to the account holder
- Date of birth
- Social Security number
The notice describes information transmitted; it does not establish that every listed field is mandatory in every situation. Apple says it can see whether a beneficiary was successfully added but does not store the beneficiary information. Goldman Sachs receives and services it.
How to change or delete a beneficiary
Return to Wallet → Apple Card → Savings Account → More → Account Details → Beneficiaries. Select the existing designation and use the available edit or delete option. Apple describes the feature as allowing a beneficiary to be added or deleted, but button names can vary by iOS version.
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It is prudent to review the designation after a marriage or divorce, a birth or adoption, a named beneficiary’s death or legal-name change, a move, or a major change to your estate plan. Apple does not specify a required review schedule.
What a beneficiary can—and cannot—do
A beneficiary is someone designated to receive account funds under the account agreement and applicable law. The designation does not make that person an account owner or, according to Apple’s documentation, grant ordinary access to view, transfer, or spend the money while you are alive. Apple says Savings accounts cannot be shared through iCloud Family Sharing.
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- Account owner: Owns and controls the Savings account.
- Apple Card Co-Owner: May separately apply for an individual Savings account; being a Co-Owner does not make the other person a joint owner of this account.
- Apple Card Participant: Does not automatically gain access to the account.
- Beneficiary: Is designated for funds under the account agreement and applicable law, not for routine account access.
This is also separate from an Apple Account Legacy Contact, Apple Card Family participation, and Apple Cash recipient settings. Those designations and features serve different purposes.
If you want to name a trust, estate, charity, business, minor, or other entity, contact Goldman Sachs before relying on the designation. The available app choices and account agreement determine what is accepted; the published Apple information does not establish eligibility for every type of beneficiary.
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What happens after the account holder dies?
The Goldman Sachs Deposit Account Agreement governs the account’s payable-on-death provisions. Do not treat a beneficiary designation as a guarantee that funds will always bypass probate or be paid immediately. Applicable state law and the facts of the estate can affect administration, and the bank may require proof of death and beneficiary identity. Legal process, outstanding claims, disputes, or conflicting estate documents may also matter.
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If “Beneficiaries” does not appear
- Make sure you opened Savings Account inside Apple Card in Wallet, rather than stopping at the Apple Card screen.
- Install the latest iOS update, which Apple lists as a prerequisite.
- Check that the iPhone is signed in to the Apple Account associated with the Apple Card.
- Close and reopen Wallet, then restart the iPhone.
- If the option is still missing, contact Apple Card or Goldman Sachs Savings support through Wallet. Goldman Sachs Savings support is also listed at 877-255-5923 in Apple’s privacy notice.
Apple’s instructions provide an in-app route; they do not describe a separate web-based beneficiary workflow. Apple says Savings is provided by Goldman Sachs Bank USA, Salt Lake City Branch, rather than by Apple. Apple and Chase announced on January 7, 2026, that Chase is expected to become the Apple Card issuer in approximately 24 months; that announcement still identifies Goldman Sachs as the Savings provider and does not announce a change to this beneficiary process. See Apple’s announcement for updates.
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