Ah thanks, that indeed clears up my confusion.

I don't understand how is that relevant to savings or Apple Card though? I mean sure Apple Card is currently a credit card, but I don't think that's relevant? In France most banks just give the customer the choice between credit and debit cards, and we just mostly prefer debit cards. Apple could probably just do that as well.

That being said, I guess the reason there is no Apple Card in Europe, is that you can't make 2%+ markup on card payments.