Apple's Wallet Now Displays Discover Card Balances in the US

Apple’s Wallet has recently gained the ability to show debit/credit card balances and full transaction history in the US, following its introduction in the UK last month. This feature is accessible with iOS 17.1 beta 3, allowing users to view their Discover card balance and transactions.

Wallet’s Connected Account Feature

The connected account feature in the UK was facilitated by the Open Banking API, with support from major banks like Barclays, HSBC, Lloyds, RBS, Monzo, and Starling. However, in the US, Apple has directly collaborated with Discover to implement the same functionality. Apple ensures that it does not store or share any of the financial data related to the Discover integration.

Using the New Discover Card Capability

To use the new Discover card capability, users must have iOS 17.1 beta 3 and follow these steps:

1. Open the Wallet app on the iPhone
2. Tap the Discover card (or add it to Apple Pay if not already done)
3. Look for the “See Balances and Full Transaction History for This Account” message
4. Tap ‘Get Started’
5. Follow the prompts to authenticate and connect the Discover account

Upon completing these steps, users can view their balance and full transaction history in the Apple Wallet app.

Additional Benefits

Discover offers additional perks such as no yearly fee and quarterly rotating 5% cashback categories. For this year’s holiday season, the cashback applies to Amazon and Target purchases.

Wallet’s Integrated Transaction History

A key advantage of this integration is access to the full transaction history. This includes all purchases (debits) as well as credits like payments and returns. The transaction history available in Apple Wallet dates back to 2021, matching the history accessible directly from Discover.