financekit

A developer guide for accessing eligible Apple Wallet financial data on Apple platforms using FinanceKit and FinanceKitUI. It covers on-device, user-authorized access to accounts, balances, and transactions for U.S. Apple Card, Apple Cash, and Savings, plus U.K. connected-account data via open banking, and separately the Wallet Orders APIs. It targets Swift 6.3 and current Apple platforms, noting availability windows: query APIs from iOS/iPadOS 17.4, TransactionPicker from iOS/iPadOS 18, U.K. data from 18.4, and background delivery from iOS/iPadOS 26. Setup requirements are detailed, including the managed com.apple.developer.financekit entitlement (requested from and reviewed by Apple), an organization-level Apple Developer account with the Account Holder role, an eligible Finance-category App Store app distributed in the U.S. or U.K., per-bundle-ID approval, and the NSFinancialDataUsageDescription Info.plist string shown during the authorization prompt. Code examples demonstrate checking FinanceStore.isDataAvailable before any call (the framework terminates the app if called when unavailable, while restricted access throws FinanceError.dataRestricted), requesting authorization through an account picker where the user selects accounts and the earliest transaction date, and checking cached authorization status without re-prompting. Querying patterns use AccountQuery, AccountBalanceQuery, and TransactionQuery with Swift #Predicate predicates, sort descriptors, limits, and offsets; accounts are modeled as an enum of .asset and .liability cases, and balances as .available, .booked, or .availableAndBooked with amounts kept positive and signed via creditDebitIndicator. Further sections address long-running queries and history, TransactionPicker, saving and checking Wallet orders, iOS 26 background delivery (requiring the entitlement on both app and extension targets plus App Groups), common mistakes, and a review checklist. The guide explicitly scopes itself to financial-data access and orders, routing Apple Pay checkout to PassKit and widget work to WidgetKit.