A dream that you have an appointment is a message that you need to take care of something in real life. For example, if you dream that you have an appointment with a doctor, your dreaming mind is telling you that you should be taking care of your health. Perhaps there is a physical problem that you have been ignoring. If you dream that you have an appointment at a bank, you should be paying more attention to how you handle your money.
It is very common to dream of being late for an appointment or of missing an appointment. This dream can symbolize a feeling that you have missed an opportunity.
If you have an appointment in real life, and dream about the appointment before it takes place, your dream reflects your thoughts and worries about what will happen. If you miss the appointment in your dream, you wish that you did not have to attend the appointment in the first place. Ask yourself what it is about the appointment that is making you want to avoid it.