Estate planning at Apple

Yes. On January 7, 2026, Apple and JPMorgan Chase announced that Chase will become the new issuer of Apple Card, with the transition expected in approximately 24 months. Mastercard remains the payment network. Until the transition is complete, Goldman Sachs Bank USA remains the issuer and servicer of Apple Card and Apple Savings. Additional details are available at learn.applecard.apple/transition.

No. Apple Savings does not allow trusts or legal entities to be named as POD beneficiaries. Only individual U.S. citizens or legal permanent residents can be designated as beneficiaries. Additionally, Apple Savings accounts cannot be retitled to a trust, and linked external bank accounts must be personal accounts, not trust accounts. The only estate planning option available is naming up to six individual POD beneficiaries who receive equal shares.

Open the Wallet app on your iPhone (iOS 17.4 or later required), tap Apple Card, then tap your Savings account. Tap the More button, then Account Details. Scroll down and tap Account Information, then tap Manage Beneficiaries. This will display a support number to call a Savings Account Specialist, who will process the beneficiary changes. You can also call Goldman Sachs Apple Card support directly at 877-255-5923. Up to six beneficiaries can be designated, and all receive equal shares.

Yes. Apple Savings is provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. Deposits are insured up to $250,000 per depositor. Apple Cash, by contrast, is serviced by Green Dot Bank, which is also FDIC insured. Note that FDIC insurance covers the depositor, not the account, so if you hold other deposits at Goldman Sachs Bank USA, those balances count toward the same $250,000 limit.