Apologies - I thought I had checked but must have missed it somehow!
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Not sure if this is because iāve linked Natwest with wallet in 17.1(?), but noticed that you can now run shortcuts on Transaction, and filter by catergory + merchants! Canāt think of any use cases atm, but pretty cool to see this level of integration
Interesting, tbh havenāt used shortcuts for a while so not surprising iād missed it. Did it have the categories + merchant filters too?
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This is pretty exciting stuff and intrigued at Appleās game plan here. Looking forward to trying it out. It would be handy to have the bank balance show on the double tab screen as well as when opening the Wallet app (which I donāt often do).
I wonder if this could maybe lead to them offering a service within Apple Pay that was similar to Curveās āchange your mindā feature that they had - where you could pay for something on one card that was setup in Curve, but then change your mind after youād already paid for it and instead get it covered by a different card.
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One thought, after we had a couple of folks wanting monzo to have a wholly separate pin/password for accessing the app not just payments because of security concerns wouldnāt this make it really really easy for someone who stole your phone to go on a spending spree knowing your balance of all your accounts?
I mean itās not a huge huge concern but something that will happen I fear. Also is there any faceid check to view this?
Just imagine your friends pulling uo your wallet app to take a gander at your balance for a troll (more a youth thing though)
I keep hoping Apple and Google will do something about the whole can change account password with only your device pin issue as well.
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If the data is only stored on device, does it rule this out from evolving into something which people will want to use for analytics and budgeting (even if it gains such features in the future)?
When I get a new device I donāt mind adding cards to wallet again, and I probably wouldnāt mind reconnecting to banks for balance and transaction data, but I wouldnāt want to re-setup things like analytics and budgeting, and re-apply transaction metadata to old transactions (notes, categorisation, etc).
Even if itās only stored on the device, it should transfer across to a new device if you use Quick Start. Or at least I would hope so.
Not sure if Iāve missed something somewhere, but why are people assuming that any of this data will only be on their phone?
As far as Iāve always understood it, OpenBanking data has to be transferred from the bank to the servers of the licenced and certified requesting organisation, not to the end user device of the person using the overall services.
Which would mean that this data is not going to only be on your devices. They may delete it after they receive it and transfer it to your phone, but theyāre the ones handling, parsing, and processing it before that transfer.
Iāve not gone off and read the technical docs, though, so I could well be wrong.
Yes, itās interesting but why would I want to give Apple, Google, etc all of my financial information? I can see the benefits to them. Iām not sure that thereās any benefit to me.
They already have so much data, a bit extra wonāt make any difference.
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When you double tap to get the card to pay with, does it show the balance there?
No, annoyingly. Iāve a habit of moving funds about, and this would be extremely helpful to see it on the pay screen here.
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Itās at this point where I think thereās value, like you said you realise you havenāt moved the money or without having to open Monzo to check, nope, no money, check Starling etc etc.
This implementation is currently completely pointless.
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I never open the wallet app, only double click to pay so yeah, fairly useless.
Give us Apple Card and itāll replace pretty much everything I have 
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For HSBC, manually. Itās out of date until you open the HSBC app at which point it does it. Which makes it super pointless. I need to know what my available balance is. This isnāt the case with Lumio, so it must be an apple auto-fetch thing.
Slightly amusing point is you can click help on any transaction and itāll give you an option to start a help call. Better get those phone agents upskilled, Monzo! 
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Seems to do it when you open the app, takes a second or two but itās pretty much real time.
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Sounds like it might be faster than the Chase app 
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With Monzo itās pretty much instantaneous once you select the card in wallet.
It tells you how to up to date it is too. I.e. updated ā1 minute agoā and then refreshes to ānowā
This makes sense for the times you donāt have a data connection.
What would be even better is if you could Force Touch the wallet app icon on your home screen and it tells you the balances of each card.
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