Access eligible Wallet financial data using FinanceKit and FinanceKitUI. Use when querying transactions or balances, reading Apple Card, Apple Cash, Savings, or U.K. connected-account data, requesting financial-data authorization, using TransactionPicker, enabling iOS 26 background delivery, or savi

FinanceKit Access eligible financial data from Apple Wallet, including U.S. Apple Card, Apple Cash, Savings, and U.K. connected account data. FinanceKit provides on device access to accounts, balances, and transactions with user controlled authorization. Targets Swift 6.3 / current Apple platforms; query APIs are available from iOS/iPadOS 17.4, TransactionPicker from iOS/iPadOS 18, and background delivery from iOS/iPadOS 26. Keep FinanceKit guidance focused on financial data access, Wallet order storage/querying, TransactionPicker, and background delivery. Route Apple Pay checkout to PassKit, widget UI/timeline work to WidgetKit, and Wallet order tracking email or Apple Business Connect optimization outside this skill. Contents [Setup and Entitlements]( setup and entitlements) [Data Availability]( data availability) [Authorization]( authorization) [Querying Accounts]( querying accounts) [Account Balances]( account balances) [Querying Transactions]( querying transactions) [Long Running Queries and History]( long running queries and history) [Transaction Picker]( transaction picker) [Wallet Orders]( wallet orders) [Background Delivery]( background delivery) [Common Mistakes]( common mistakes) [Review Checklist]( review checklist) [References]( references) Setup and Entitlements Requirements 1. Managed entitlement request com.apple.developer.financekit from Apple via the [FinanceKit entitlement request form](https://developer.apple.com/contact/request/financekit/). This is a managed capability; Apple reviews each application. 2. Organization level Apple Developer account (individual accounts are not eligible). 3. Account Holder role required to request the entitlement. 4. Eligible App Store app the app must be in the Finance category, distributed through the App Store for iPhone in the United States or United Kingdom, and provide financial management tools such as net worth, spending, or budgeting features. 5. Per bundle ID approval Apple assigns the entitlement to the approved bundle ID; do not assume it applies to sibling apps or extensions automatically. 6. If the app offers financial products directly or through a regulated institution, it must allow customers to connect those accounts to Apple Wallet and share the data with FinanceKit. Project Configuration 1. Add the FinanceKit entitlement through Xcode managed capabilities after Apple approves the request. 2. Add NSFinancialDataUsageDescription to Info.plist this string is shown to the user during the authorization prompt. 3. For iOS 26 background delivery, add the FinanceKit entitlement to both the app and extension targets, then use App Groups for shared storage. Data Availability U.S. FinanceKit financial data requires iOS/iPadOS 17.4+ and currently covers eligible Apple Card, Apple Cash, and Savings data; Apple Card Family participants and Apple Cash Family children are excluded. U.K. support requires iOS/iPadOS 18.4+ and uses open banking for supported institutions. Orders APIs are available separately from financial data query APIs. Check whether the device supports FinanceKit before making any API calls. This value is constant across launches and iOS versions. For Wallet orders: Data availability returning true does not guarantee data exists on the device. Data access can also become temporarily restricted (e.g., Wallet unavailable, MDM restrictions). Restricted access throws FinanceError.dataRestricted rather than terminating. Authorization Request authorization to access user selected financial accounts. The system presents an account picker where the user chooses which accounts to share and the earliest transaction date to expose. Checking Current Status Query current authorization without prompting: Once the user grants or denies access, requestAuthorization() returns the cached decision without showing the prompt again. Users can change access in Settings Privacy & Security Financial Data. Querying Accounts Accounts are modeled as an enum with two cases: .asset (e.g., Apple Cash, Savings) and .liability (e.g., Apple Card credit). Both share common properties ( id , displayName , institutionName , currencyCode ) while liability accounts add credit specific fields. Working with Account Types Account Balances Balances represent the amount in an account at a point in time. A CurrentBalance is one of three cases: .available (includes pending), .booked (posted only), or .availableAndBooked . Reading Balance Amounts Amounts are always positive decimals. Use creditDebitIndicator to determine the sign: Querying Transactions Use TransactionQuery with Swift predicates, sort descriptors, limit, and offset. Reading Transaction Data Built In Predicate Helpers FinanceKit provides factory methods for common filters: For a transaction field table and more query patterns, read [references/financekit patterns.md](references/financekit patterns.md). Long Running Queries and History Use AsyncSequence based history APIs for catch up sync, live updates, or resumable sync. These return inserted, updated, and deleted item IDs plus a HistoryToken . History Token Persistence HistoryToken conforms to Codable . Persist it to resume queries without reprocessing data: If a saved token points to compacted history, the framework throws FinanceError.historyTokenInvalid . Discard the token, then immediately run a fresh catch up query for the affected account or balance stream so local state and the replacement token are rebuilt. Use isMonitoring: true only for a separate live monitor. Account and Balance History Ongoing budgeting sync should cover the data model the user authorized: account objects for account additions/removals, account balances for trend and widget state, and transactions for spending detail. Use separate history tokens per stream or account so a compacted token only forces resync of the affected stream. Transaction Picker For apps that need selective, ephemeral access without full authorization, use TransactionPicker from FinanceKitUI. Access is not persisted transactions are passed directly for immediate use. Wallet Orders FinanceKit supports saving and querying Wallet orders (e.g., purchase receipts, shipping tracking). Saving an Order Checking for an Existing Order Add Order to Wallet Button (FinanceKitUI) Background Delivery iOS 26+ supports background delivery extensions that notify your app of financial data changes outside its lifecycle. User authorization made in the main app is inherited by the extension. Both targets need the FinanceKit entitlement; use App Groups to share data between the app, extension, and related widgets. Enabling Background Delivery These registration methods are synchronous and nonthrowing; do not write try or await . Available frequencies: .hourly , .daily , .weekly . These are expected minimum intervals between extension launches when data changes; longer frequencies give the extension a larger processing window. Disable selectively or entirely: Background Delivery Extension Create a background delivery extension target in Xcode (Background Delivery Extension template). Implement the two async entry points directly on the extension type and return from didReceiveData(for:) only after essential work is saved. Common Mistakes 1. Calling APIs when data is unavailable DON'T skip availability check: DO guard availability first: 2. Ignoring the credit/debit indicator DON'T treat amounts as signed values: DO apply the indicator: 3. Not handling data restriction errors DON'T assume authorized access persists: DO catch FinanceError : 4. Replacing resumable history with snapshots Use the canonical transaction history loop above and persist each newToken only after local deletes and upserts commit. Keep separate tokens per stream/account; on invalid token errors, resync only the affected scope. 5. Misinterpreting credit/debit on liability accounts Both asset and liability accounts use .debit for outgoing money. But .credit means different things: on an asset account it means money received; on a liability account it means a payment or refund that increases available credit. See [references/financekit patterns.md](references/financekit patterns.md) for a full interpretation table. Review Checklist [ ] FinanceStore.isDataAvailable(.financialData) checked before any API call [ ] App eligibility checked: Finance category, App Store iPhone distribution in the U.S. or U.K., financial management feature set, organization account, Account Holder request [ ] com.apple.developer.financekit entitlement requested and approved for the app bundle ID [ ] NSFinancialDataUsageDescription set in Info.plist with a clear, specific message [ ] Authorization status handled for all cases ( .authorized , .denied , .notDetermined ) [ ] FinanceError.dataRestricted caught and handled gracefully [ ] CreditDebitIndicator applied correctly to amounts (not treated as signed) [ ] History tokens persisted for resumable queries [ ] FinanceError.historyTokenInvalid handled by discarding token and immediately resyncing the affected stream [ ] Ongoing sync plan covers authorized accounts, balances, and transactions, not transactions alone [ ] Long running queries use isMonitoring: false when live updates are not needed [ ] Transaction picker used when full authorization is unnecessary [ ] Only data the app genuinely needs is queried [ ] Deleted IDs from history changes are explicitly removed from local account, balance, or transaction storage [ ] Background delivery calls use the synchronous iOS 26 APIs and the extension is in the same App Group as the main app [ ] Background delivery registers every needed data type: .accounts , .accountBalances , and/or .transactions [ ] FinanceKit entitlement added to both app and background delivery extension targets [ ] Financial data deleted when user revokes access References Extended patterns (predicates, sorting, pagination, currency formatting, background updates): [references/financekit patterns.md](references/financekit patterns.md) [Get started with FinanceKit](https://developer.apple.com/financekit/) [FinanceKit framework](https://sosumi.ai/documentation/financekit) [FinanceKitUI framework](https://sosumi.ai/documentation/financekitui) [FinanceStore](https://sosumi.ai/documentation/financekit/financestore) [Transaction](https://sosumi.ai/documentation/financekit/transaction) [Account](https://sosumi.ai/documentation/financekit/account) [AccountBalance](https://sosumi.ai/documentation/financekit/accountbalance) [FinanceKit entitlement](https://sosumi.ai/documentation/bundleresources/entitlements/com.apple.developer.financekit) [Implementing a background delivery extension](https://sosumi.ai/documentation/financekit/implementing a background delivery extension) [Meet FinanceKit (WWDC24)](https://sosumi.ai/videos/play/wwdc2024/2023/) [What's new in Apple Pay (WWDC25)](https://sosumi.ai/videos/play/wwdc2025/201/)