Which home finance apps connect an Apple Card

Apple just opened Financial API to 3rd party developers in March 2024.

Monarch, Copilot, YNAB already have built integrations with Apple Card, Apple Cash and Apple Savings.

I can also confirm, it's working, as long as you have at least iOS 17.4.

https://9to5mac.com/2024/03/05/ios-17-4-lets-budgeting-apps-easily-access-apple-card-cash-and-savings-data/

No. Goldman Sachs does not support such apps directly

Sad that I only got to use Mint for 2 months before they shut down 😣 I'm currently using Moneycoach to import Apple Card transactions automatically and it works, more or less.

https://youtu.be/f0CJ-Zk0Nh4?si=x3zH8tU5_woE31Cg

I've scoured the internet and only a few apps are equipped to handle importing Apple transactions automatically with the Shortcuts feature on iOS. YNAB is one of them I believe.

I ultimately went with Moneycoach because the subscription only costs $5 a month and I like the app interface. I'm good with using them for now, or until something better comes along that isn't so expensive like YNAB.

ahuang4 wrote:

Sad that I only got to use Mint for 2 months before they shut down 😣 I'm currently using Moneycoach to import Apple Card transactions automatically and it works, more or less.

https://youtu.be/f0CJ-Zk0Nh4?si=x3zH8tU5_woE31Cg

I've scoured the internet and only a few apps are equipped to handle importing Apple transactions automatically with the Shortcuts feature on iOS. YNAB is one of them I believe.

I ultimately went with Moneycoach because the subscription only costs $5 a month and I like the app interface. I'm good with using them for now, or until something better comes along that isn't so expensive like YNAB.

Monarch gave 50% off for a year, making it $50 for the first year. I believe that promotion may still be valid.

I also tested YNAB. To me, it was practically incomprehensible. I'm sure if I had spent more time with it, it would have all become clear and they do provide lots of tutorials. I just wasn't interested in spending that much time. Also, I didn't see any support for importing Apple Card transactions but, that might have been one of the completely non-obvious things I didn't get to. Monarch was developed by some ex-Mint folks so there are similarities.

I've never heard of MoneyCoach. I'll have to take a look at it.

Monarch, Co-pilot and YNAB are all compatible with Apple Wallet and support for Apple Card Mastercard. Intuit abandoned Mint, which was previously available.

In order for us to have an API for Apple Card, both Goldman Sachs and Apple would have to put engineering resources into their app stacks, customer facing or not. If Goldman Sachs is already not happy with the amount of engineering costs they have put into the partnership, they will be hard pressed for them to invest into their app stack/API.

It seems like Copilot has announced Apple Card direct implementation

[Edited by Moderator]

ETdoFresh wrote:

Thanks, I specifically submitted a Monarch (+ other personal finance application) request here:

Feedback - Apple Pay - Apple

(and specified Product Category: Apple Card)

I have also added my feedback in both places. Meanwhile, I upload at the end of the month. Not as convenient as Mint but Monarch is, in most other ways, so much better.

Actually, I would. That is part of the problem. Goldman Sachs has been losing money on this deal due to the engineering that has gone into the card and they are trying to divest. This on top of Apple trying to protect our data. So it is important for Goldman Sachs to hear this feedback as well. Or we wait for the separation and Citi or another financial institution to take over.

https://www.bloomberg.com/news/newsletters/2023-12-03/apple-to-drop-goldman-sachs-for-apple-card-chase-bank-is-ideal-replacement-lppjbe7z?embedded-checkout=true

“Between the engineering spending and losses on loans, the credit card was a disaster for Goldman’s balance sheet, contributing to billions of dollars in red ink. It doesn’t take a bank as well regarded as Goldman to know that it should try to ditch a program burning that much cash.”

NSBot wrote:

I’m really missing Mint, I found some similar apps most of them want to charge but not 1 can get Apple Card connected and that is really annoying when you’re tracking expenses and budgets

Monarch allows you to import the Apple Card statements into it at the end of them month (through the iPhone app). It's not ideal but, better than nothing. And Monarch is great.

lucas053 wrote:

@Apple - Please allow for Monarch to have API.

Apple doesn't read here in this user-to-user forum for feedback or suggestions. You can, however, let them know your thoughts here:

Product Feedback - Apple

lucas053 wrote:

In order for us to have an API for Apple Card, both Goldman Sachs and Apple would have to put engineering resources into their app stacks, customer facing or not. If Goldman Sachs is already not happy with the amount of engineering costs they have put into the partnership, they will be hard pressed for them to invest into their app stack/API.

I think perhaps you don't understand what I was replacing to. I replied to "You would think Goldman Sachs would start there own APP to address this situation!!" by saying I don't think that at all. That means that I think it's unlikely that GS would create an app that would resolve this issue. It seems we may actually be in agreement on this.

I’m really missing Mint, I found some similar apps most of them want to charge but not 1 can get Apple Card connected and that is really annoying when you’re tracking expenses and budgets

You can put it in the feedback section for Apple Pay:

Feedback - Apple Pay - Apple

lucas053 wrote:

Thanks! I posted there too! I am posting everywhere I can. Goldman Sachs as well.

I don't think Goldman Sachs has anything to do with the decision process here. But it certainly won't hurt anything.