How To Add Your Apple Card To PocketGuard

PocketGuard is one of the top budgeting apps in the world and is available for download from the Apple Store or the Google Play Store. It allows you to link your credit cards, debit cards, and bank account information in order to track your spending, categorize where you’re spending your money, and set financial goals that the app will help you reach.

One of the biggest questions I’ve been getting recently is, “Can I add my new Apple Card to PocketGuard? If so, how do I do it?

The only way to use your Apple Card with your PocketGuard account is to download your statements from Apple and then re-upload them manually to PocketGuard. Apple does not allow Apple cardholders to link their credit cards to any third-party budgeting apps.

In today’s post, I’m going to explain why Apple doesn’t allow this seemingly common functionality, if the rules are going to change, and show you how to upload your Apple Card statements to your PocketGuard account step-by-step. The good news is that it is possible. The bad news is that it requires a lot more effort than you would expect from traditional credit and debit cards. 

Adding Your Apple Card To PocketGuard

I recently wrote another post on how to add your Apple Guard to EveryDollar – another budget app produced by Dave Ramsey’s finance and budgeting team. So, this is a question that I’ve been getting a lot lately. As such, I’ve become somewhat of an expert on Apple cards (in addition to all of the posts I’ve been making about cryptocurrency investment platforms). 

If you have a PocketGuard account that you use to track your other credit and debit cards, then you’re probably well aware of how convenient and helpful it is at creating budgets. One of the neatest features of PocketGuard is that it has this special “In My Pocket” feature that shows you exactly how much money you’re allowed to spend without going over your pre-planned budget or hindering your financial goals. 

Unfortunately, though, you cannot use this feature with the Apple Card or directly link your Apple Card to third-party budgeting or even stock investment apps. This was one of the most disappointing factors of the card and, in my opinion, is the only reason why the card hasn’t become more popular since its initial release almost two years ago. 

Why Can’t I Link My Apple Card Directly To My PocketGuard Account? 

When Apple first released their “revolutionary” new card in August of 2019, Apple users around the world were excited. The card is designed to work seamlessly with the Apple Wallet app. While Apple does send you a physical card, users are encouraged to make payments through the Apple Wallet and save their card as a last resort. Users are also eligible to receive some nice cash-back rewards through the Apple Wallet, which is another factor encouraging the use of the app (who doesn’t like extra money in their pocket every month?). 

One of the key features of the Apple Card is that it’s supposed to have security that’s far superior to almost any other credit card on the market. Part of these extra security regulations prevents cardholders from linking their cards to third-party budgeting applications that could potentially be compromised by hackers

Will Apple Change These Rules Anytime Soon? 

As it stands, Apple has no plans to change these rules about their card any time soon. In my opinion, the more likely option is that Apple will create its own budgeting application that can be securely used and linked with your Apple Wallet. As history has shown us, Apple is an amazing company when it comes to innovation, but they aren’t the best when it comes to playing with others and offering cross-platform stability. 

How To Upload Your Apple Card Statements To PocketGuard: Step-By-Step

By now you’re probably thinking, “Wait- didn’t you say that you ARE able to use PocketGuard to budget your Apple Card?

Glad you’re paying attention! You can use PocketGuard with your Apple Card. However, you won’t be able to view your live statements. This means that PocketGuard won’t be able to keep track of your day-to-day spending (like PayPal). Instead, you’ll have to content yourself with uploading your last month’s statement to the budgeting app. Here’s how to make that happen. 

Step 1: View Your Apple Card Account Statements

The first step you need to take is to view your Apple Card account statements. To view this, you can either log in to your account through card.apple.com or open your Apple Wallet on your device and select the icon associated with your Apple Card. Then, click the numbers where your current balance is displayed. This will bring up the long list showing all of your most recent account activity. You can then scroll down to the bottom of the balance sheet and view all of your previous statements from prior months. 

Step 2: Download Your Statement From The Previous Month

Beside each statement, you’ll see an icon featuring a box with a little arrow. Click that icon to bring up a list of download and sharing options. Click ‘Download as CSV file’ and the small file will be downloaded in the ‘Downloads’ folder of your computer or smartphone. 

Step 3: Upload The Statement To Your PocketGuard account

Now, that you’ve downloaded your statement(s), log in to your PocketGuard account and navigate to the area where you can upload a new statement. Click ‘Upload CSV file manually.’ This will open your device’s file explorer, where you’ll be able to select the statements and upload them manually to the PocketGuard app. 

Once you’ve uploaded the files, the app will usually take a few minutes to process and sort all of the data. Once it’s completed, you’ll be able to view a full profile of your previous month’s expenditure and tell if you overspent or if you were on track with your budget!