What is FinanceKit?
Asked on 2025-07-16
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FinanceKit is a set of APIs introduced by Apple that provides access to a central repository of financial data stored in Apple Wallet. It allows developers to build financial apps by accessing financial data locally on the device without requiring an internet connection. FinanceKit aggregates financial data from various sources, including Apple Card, Apple Cash, and savings accounts, while ensuring user privacy by giving data owners explicit control over which and how much financial data an app can access.
The core components of FinanceKit include:
- Accounts: Represent different types of financial accounts such as checking accounts, credit cards, or savings accounts. Each account has a balance and contains transactions.
- Transactions: Represent how money moves in or out of an account. Each transaction has a unique identifier and can be tracked over time.
- Balances: Provide information about the amount of money in an account at a particular moment in time, with historical records to show trends.
FinanceKit also includes features like transaction pickers and query APIs to access and manage financial data efficiently. It is designed to be used on devices running iOS 17.4 or higher.
For more detailed information, you can refer to the session Meet FinanceKit (00:01:48) from WWDC 2024.
Meet FinanceKit
Learn how FinanceKit lets your financial management apps seamlessly and securely share on-device data from Apple Cash, Apple Card, and more, with user consent and control. Find out how to request one-time and ongoing access to accounts, transactions, and balances — and how to build great experiences for iOS and iPadOS.
What’s new in Apple Pay
Discover the latest improvements and new APIs in Apple Pay. You’ll discover enhancements to the Apple Pay eCommerce experience, like the new dynamic payment button, and learn how to take advantage of enhanced support for preauthorized payments. We’ll cover brand-new features coming to order tracking in Wallet, and recommendations to help your orders look their best. We’ll also dive into FinanceKit’s new background delivery APIs, allowing financial management apps to get the latest data, even when they’re not active.
What’s new in privacy
At Apple, we believe privacy is a fundamental human right. Learn about new and improved permission flows and other features that manage data in a privacy-preserving way, so that you can focus on creating great app experiences.