how to transfer photos as albums?

Albums on an iOS device are for local organization only. They do not contain actual copies of the photos themselves either, but merely pointers to the photos that allow the photos to appear in those albums. Since they don’t contain actual copies of the photos themselves, albums on an iOS device cannot be transferred to a computer.

You will have to transfer the photos to your computer and organize them in albums on the computer.

Transfer iPhone photos to computer using iTunes. If you're using Windows, you can sync the photos on your device with iTunes on your computer.

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