When fetching Apple Savings transactions via FinanceKit, the data is missing key context about where the deposit originated from.
Here’s an example transaction I retrieved:
Transaction(
id: 77371A0C-7122-42C7-BEBC-85BDF654AD2B,
accountID: 68D9FE9D-6DA6-4A27-BB9D-19209CD29A56,
transactionAmount: 1.46 USD,
creditDebitIndicator: .credit,
transactionDescription: "Deposit",
originalTransactionDescription: "",
merchantCategoryCode: nil,
merchantName: nil,
transactionType: .deposit,
status: .booked,
transactionDate: 2025-08-20 13:44:26 +0000,
postedDate: 2025-08-20 13:44:26 +0000
)
As shown:
- transactionDescription is just "Deposit"
- merchantName is nil
- No indication of the source account
In contrast, the Wallet app clearly shows context for Apple Savings account deposits, such as:
- "Apple Card" (daily cash)
- "Bank of America" (external transfer)
- "Interest Paid" (we do see "Interest" come through correctly)
Without this metadata, third-party apps cannot replicate Wallet’s clarity about where a deposit came from. Every deposit simply appears as "Deposit", which is ambiguous.
Request:
Please expose additional metadata for Apple Savings account transactions, for example:
- sourceAccountName (e.g. “Apple Card” or “Bank of America”)
- transactionOriginType (cashback, external bank transfer, interest)
- institutionIdentifier or similar for external banks
This would allow developers to show clear, Wallet-quality transaction details and avoid confusing users.
Impact:
The lack of source info makes Savings deposits nearly indistinguishable from one another, even though Wallet provides this context. For apps leveraging FinanceKit, this results in a poorer experience compared to Apple’s own Wallet.
Thanks!