NetTrack can now read accounts directly from Apple Wallet — Apple Card, Apple Cash, and Apple Savings in the US, and in the United Kingdom, the bank accounts you’ve connected to Wallet through open banking.
For UK users especially, this is the big one: Barclays, HSBC, Lloyds, Monzo, Nationwide, NatWest, Santander and more, linked in a couple of taps, on the free plan. Here’s how it works, plus a round of investment tracking upgrades that shipped alongside it in NetTrack 1.6.10.
Apple Card, Apple Cash, and Savings — connected directly
Apple Card has never been linkable. Not in NetTrack, not in Monarch, not in Empower, not anywhere. It has no online banking portal for an aggregator to log into, so every net worth app in the world has had the same answer: add it as a manual account and update the balance yourself.
That changes now. NetTrack reads Apple Card, Apple Cash, and Apple Savings directly from Wallet on your iPhone, using Apple’s FinanceKit framework — the pipe Apple built for exactly this purpose, and one that requires a per-app entitlement Apple reviews and grants individually. We applied, and we were approved.
Go to Add Account → Apple Wallet, and iOS shows you its own permission sheet: you pick which accounts to share, Apple hands them over, and NetTrack pulls in balances and transactions. From that point on your Apple Card sits alongside every other account — in your net worth, your snapshots, your cash flow, your budget, your spending reports. Not as a manual placeholder you have to remember to update. As a real, refreshing account.
UK bank accounts, through the same door
In the United Kingdom, Wallet does more than hold cards. On iOS 18.4 and later, it exposes open banking data for the UK bank accounts you’ve connected to it, through the same permission sheet. Apple currently makes thirteen institutions available to apps like ours: Barclays, Barclaycard, First Direct, Halifax, HSBC, Lloyds, M&S Bank, MBNA, Monzo, Nationwide, NatWest, Royal Bank of Scotland, and Santander.
So if you’re a UK user who’s been maintaining manual accounts because US-centric aggregator coverage never quite reached you: connect your accounts in Wallet, tap Add Account → Apple Wallet in NetTrack, and they flow in with balances and transactions like any other linked account. They feed your net worth, your budget, your cash flow, and your reports the same way.
Same screen, same free tier, same on-device privacy model as Apple Card. No credentials, no third-party aggregator, no waiting on coverage.
What to know
- It’s free. Apple Wallet accounts don’t count against the 5-connection limit on the free plan.
- The data never round-trips through a middleman. FinanceKit is an on-device store. Your phone reads it and syncs it into your own NetTrack account — there’s no aggregator holding credentials, because there are no credentials to hold.
- You choose the accounts, and you can change your mind. Sharing is managed in iOS Settings → Privacy & Security → Wallet, not by us.
- Requires iOS 17.4 or later (iOS 18.4+ for UK open banking accounts), and at least one supported account in Wallet. Apple Card Family participants and Apple Cash Family child accounts aren’t exposed by Apple.
Investment tracking upgrades
The Portfolio screen got a rebuilt performance engine in the same release.
Time-weighted returns. Your return is now computed the way brokerages compute theirs — a chained daily time-weighted return, measuring each day against the capital actually at work that day. Deposits and withdrawals move your balance, not your return, which means the figure in NetTrack lines up with the one on your broker’s statement. We checked ours against Fidelity’s per-account numbers and matched to within three hundredths of a percentage point.
Contributions, shown alongside returns. A percentage on its own can’t tell you whether an account grew because it earned or because you funded it. Account rows now show contributions next to the return, and your monthly recap reports market gain and return as separate lines. Scrub the portfolio chart and the chip gives you a dollar figure and a percent on the same basis at every point.
Available now
All of it is live in NetTrack 1.6.10 on the App Store. Apple Wallet connections are free on every plan; investment tracking is part of NetTrack Pro.
If you’ve got an Apple Card sitting in a manual account gathering dust — or you’re in the UK and have been waiting for a way in — this is the update to open.