What does Wallet show about Apple Card spending?
More than most card apps. Open Wallet, tap Apple Card, and below Card Balance tap Weekly Activity, Monthly Activity or Yearly Activity. You get a bar chart of spending for the period and a breakdown by category, such as Food and Drinks or Shopping, each with its total. Tap a category to see the purchases in it, and swipe to step back to earlier periods.
The search field in the transaction list finds purchases by merchant, category, amount, date or place.
The limit is that all of this is Apple Card only. Rent from checking, a gas station on another card and cash never appear, so Wallet answers what you spent on this card, not what you spent.
How do I export Apple Card transactions?
- Open Wallet and tap Apple Card.
- Tap Card Balance.
- Under Statements, tap the month you want.
- Tap Export Transactions and choose the format.
CSV opens in any spreadsheet. OFX is the format most money software imports. Two more formats are offered for desktop finance and accounting software.
Export works one statement at a time, and only for months that already have a statement. The current month cannot be exported until its statement closes, so for this month's purchases use the transaction list in Wallet. Export each month as it closes and keep the files in one folder; you then have a full history without depending on any app.
How do I total Apple Card spending by category in a spreadsheet?
Open the CSV. Each row is one transaction with its date, the merchant, Apple's category, a type and the amount. Before you add anything up, take out the rows that are not spending:
- Payments to Apple Card from your bank. They settle the card; the purchases they pay for are already in the file.
- Credits and refunds, unless you want them to reduce the category they belong to.
- Monthly installments, if your file has them and you already count the full purchase price somewhere else, so the same phone is not counted twice.
Then total each category with one formula, where Category and Amount are the two columns:
=SUMIFS(Amount, Category, "Restaurants")
Put the category names in a column, point the formula at each one, and the sheet becomes a monthly spending report. Apple's categories are broad; if you want groceries separate from eating out, add a column of your own.
Can a budgeting app read Apple Card directly?
In the US, yes. Since iOS 17.4, Apple lets an app ask for permission to read Apple Card, Apple Cash and Apple Savings activity from Wallet. You choose the accounts, the app reads the transactions and balances, and you never type a bank password into the app, because the data comes from your own iPhone. You can withdraw the permission later in the iPhone's settings.
Not every budgeting app supports it, and it is only for Apple's own accounts. Other cards in Wallet are not included: a debit card from your bank still needs its own connection or statement.
What about Apple Pay with my other cards?
Apple Pay is a way to pay, not an account, so its record lives with whichever card you tapped. For the other cards in Wallet there are two ways to capture spending: the bank's own transaction export, or a Shortcuts automation with the Wallet trigger, which can record each in-store contactless Apple Pay tap the moment you pay. That automation does not fire for Apple Pay inside apps or on websites. The Apple Pay tracking guide explains what it catches and what it misses.
How does Tally track Apple Card?
In the US, Tally connects Apple Card and Apple Cash from Apple Wallet, read-only and without a bank login. The first connection brings in the last 90 days, and after that new transactions arrive in the background. A payment from your checking account to Apple Card is counted as moving your own money, not as spending, so the purchases are not counted twice. Every transaction is filed to a category Tally learns from your own purchases, next to your other accounts.
Apple Card and Apple Cash sit in the same budget as any bank you connect, and each morning Tally shows what is safe to spend today, with the bills due in the next seven days already set aside. Outside the US, Apple Card is not available, and Tally imports your bank's own CSV or PDF statement instead.