Earned interest on an Apple Card Savings account last year? The IRS wants to know about it. Every dollar of interest your savings earns counts as taxable income, and your Apple Savings account tax documents are how you report it correctly. The good news: finding them takes about a minute once you know where to look.
Here is exactly where your 1099-INT lives, when it shows up, and what to do with it. This article is general information, not tax advice, so check with a tax professional about your specific situation.
Why Your Apple Savings Account Generates Tax Documents
Apple Savings is a high-yield savings account provided by Goldman Sachs Bank USA, Salt Lake City Branch. Apple designed the experience, but Goldman Sachs is the actual bank holding your money. That matters at tax time, because Goldman Sachs is the institution that reports your interest to the IRS.
Banks typically issue a Form 1099-INT to anyone who earns $10 or more in interest during a calendar year. With the account paying around 3.40% APY as of July 2026, based on our research, a balance of just $300 held for a full year would cross that $10 line. Most Apple Savings users should expect a form.
Interest is taxed as ordinary income. It gets added to your wages and other income and taxed at your regular federal rate, plus state income tax where that applies.
How to Find Your Apple Savings Account Tax Documents
Your 1099-INT does not arrive in the mail by default. It lives inside the Wallet app:
- Open the Wallet app on your iPhone and tap your Apple Card.
- Tap the Savings icon to open your savings dashboard.
- Open your account options and choose Documents.
- Select Tax Documents and download your 1099-INT as a PDF.
Apple also sends an email notification when your form is ready, so watch your inbox each January. If you want a paper copy, it is not mailed automatically. You can request one by calling an Apple Savings specialist at Goldman Sachs at 1-877-255-5923.
When Your 1099-INT Arrives
Banks are generally required to send 1099-INT forms by January 31 for the previous tax year. Apple Savings forms typically appear in the Wallet app documents section by that deadline.
Filing with tax software? You may be able to import the form, but some users report the Goldman Sachs PDF does not import cleanly into every program. If the import fails, entering the numbers by hand takes under a minute. The key figure is Box 1, your total taxable interest.
What If You Earned Less Than $10 in Interest?
No form does not mean no taxes. If your interest for the year came in under $10, Goldman Sachs may not issue a 1099-INT at all. You are still required to report that interest on your return.
To find the number, open the same Documents section in Wallet and check your monthly or year-end statements. Add up the interest payments for the year and report the total.
Daily Cash Is Different From Savings Interest
Apple Card's Daily Cash rewards are generally treated as purchase rebates, not income, so they typically are not taxable and do not generate a tax form. The credit card itself does not produce a 1099.
The moment that Daily Cash lands in your savings account and starts earning interest, though, the interest it produces is taxable like any other. Rewards: usually tax-free. Interest on rewards: taxable.
The JPMorgan Transition and Your Tax Forms
In January 2026, JPMorgan Chase reached a deal to take over the Apple Card from Goldman Sachs. The transition is expected to take around two years, and Goldman Sachs continues to operate the card and the savings account in the meantime.
Based on reporting so far, existing savings accounts are staying at Goldman Sachs for now, and account holders will eventually choose whether to move. For the current tax year, expect your Apple Savings account tax documents to keep coming from Goldman Sachs through the Wallet app. If you ever close or move the account, download your statements and tax forms first, since access can get harder after an account closes.
Is Apple Savings Still Worth Keeping in 2026?
The account's rate has been sliding. It peaked at 4.5%, dropped to 3.50% in April 2026, and sits around 3.40% APY as of July 2026, based on our research. Rates are variable and can change at any time. That is still far above the national savings average of 0.38%, but it is no longer a standout.
If you are already shopping around, a couple of alternatives may pay more. Current offers Savings Pods that earn a 4% boost on up to $2,000 per pod (up to $6,000 total) when you have a qualifying direct deposit of $200 or more, as of July 2026, with no monthly fees.
Current Banking
Current Banking
Current is a mobile-first banking app with no monthly fee and no minimum balance. Members can earn up to 4.00% APY with a qualifying direct deposit of $200, receive direct-deposit paychecks up to 2 days early, and overdraft up to $200 fee-free.
Standout feature
4.00% APY on Savings Pods (with a $200+ qualifying direct deposit) plus paycheck up to 2 days early — both included on the standard account for free
Fees
Free
Pros
$0 monthly fee; up to 4.00% APY on Savings Pods with qualifying direct deposit; paycheck up to 2 days early;
Cons
No physical branches
Chime takes a similar app-first approach, paying up to 3.75% APY on its high-yield savings for members who qualify through direct deposit as of July 2026, also without monthly fees. Both accounts are FDIC-insured through partner banks, and both will generate their own 1099-INT forms if your interest tops $10.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Whichever account holds your cash, the tax rules stay the same: interest is income, the bank reports it, and you file it.
Next Steps
Grab your 1099-INT from the Wallet app before you file, double-check Box 1 against your statements, and report interest even if no form arrived. Terms and conditions apply to every account mentioned here, and APYs vary and can change at any time.
Frequently Asked Questions
Where do I find my 1099-INT for Apple Savings?
Open Wallet, tap your Apple Card, tap the Savings icon, then look for the Documents or Tax Documents section. Your 1099-INT appears there as a downloadable PDF, typically by the end of January.
Do I owe taxes on interest I never withdrew?
Yes. Interest is taxable in the year it is credited to your account, whether or not you move it out. Leaving the money in savings does not delay the tax bill.
Is Apple Daily Cash taxable?
Generally no. Daily Cash is treated as a rebate on purchases rather than income, so it does not show up on a 1099. Only the interest your savings balance earns is taxable.
Will JPMorgan send my Apple Savings tax forms now?
Not yet. Goldman Sachs continues to operate Apple Savings during the transition, which is expected to run about two years from early 2026. Your tax documents should keep coming from Goldman Sachs until your account actually moves.
