Included with Sam

Less typing.
Still your call.

Apple Wallet brings the activity. Sam helps it make sense in your plan—what's already there, what needs matching and what needs your attention.

Balance Check

A difference you can explain.

In this example, Sam's balance is £1,664. The bank record says £1,627.60. Two purchases—£22.10 and £14.30—account for the £36.40 gap.

Sam's matching engine compares transactions with your bills, income and outgoing, rather than treating every bank entry as something new. Review the suggestions and see the effect before you apply them.

£36.40 differenceTwo purchases.No unexplained adjustment needed in this example.

Balance Check shows a £36.40 difference and two unselected purchase suggestions for £22.10 and £14.30. — Two purchases explain the £36.40 difference. Here they are unselected so you can see the review step.Real app screens · Fictional demo data View full size (opens in a new tab)

From suggestion to a settled plan

Recorded once.
Accounted for.

After confirmation, the two purchases appear as paid outgoing. The plan now shows £1,627.60 in the bank and £723.60 available to spend.

The Energy bill already marked paid stays a bill. It isn't added again as a new purchase. This is the useful part of matching: keeping your plan and the activity behind it together.

These are real app screens using fictional bank records. The examples demonstrate review and matching, not a live bank connection.

After confirming both purchases, Sam shows bank balance £1,627.60 and Available to Spend £723.60. — After confirmation: bank balance £1,627.60 and Available to Spend £723.60.Real app screens · Fictional demo data View full size (opens in a new tab)

Recurring-payment suggestions

Let the regulars
introduce themselves.

Paid the same provider a few times? Sam can spot likely recurring payments and suggest a bill, with the supporting history visible while you check it.

Here, broadband was £47, £47, then £53. Sam suggests £53 and shows the earlier payments—including a shifted payment date. You can edit the details before adding the bill.

Suggestions depend on the history available. They are a starting point for your review, not a promise to find every bill.

An editable £53 Example Broadband bill suggestion supported by payments of £47 in June, £47 in July and £53 in August. — Three payments suggest a recurring broadband bill. Sam proposes £53, with the history there for you to check.Real app screens · Fictional demo data View full size (opens in a new tab)

A connection you choose

Your Wallet.
Your permission.

Pair eligible Apple Wallet accounts through FinanceKit to bring balances and transactions into Sam. You choose what you share and confirm changes to your plan.

Availability depends on your account, region and device. You can also plan manually; a Wallet connection isn't required to use Sam.

How Wallet information is handled

Included, without Plus

Eligible Wallet account pairing
Transaction matching and review
Balance Check
Recurring-bill suggestions

Sam organises information. It does not hold or transfer your money, or ask for your banking password.

Sam is in development

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Less typing.Still your call.