Apple Card CSV to Beancount
Convert an Apple Card statement export into balanced double-entry Beancount transactions — one file per statement month, with the issuer's inverted signs flipped into ledger convention for you.
Column mapping verified against a real Apple Card export
How to export your Apple Card transactions
- 1
On iPhone, open the Wallet app, tap Apple Card, then tap Card Balance.
- 2
Scroll to Statements and tap the month you want. The download is per statement month, not per date range, so a year of history is twelve separate files.
- 3
Tap Export Transactions and choose CSV. The OFX, QFX and QBO options beside it are for Quicken and QuickBooks.
- 4
Save it to Files, or send it by email or AirDrop to the computer where you keep your ledger.
- 5
Paste it below. On iPad the same export lives under Settings, Wallet & Apple Pay, Apple Card, Card Balance; on the web, sign in at card.apple.com and use Statements, then Export Transactions.
One file per statement month, and every sign points the wrong way
Apple Card states what you owe rather than what happened to a balance, so a purchase exports as a positive number and a payment as a negative one — the opposite of a bank export and of the convention Beancount expects. This preset flips them, so a 84.23 grocery purchase becomes -84.23 on the card and a 500.00 payment comes back positive, which is how a liability account should move. The other thing to plan around is the download itself: Apple gives you one file per statement month rather than a date range, so a full year means twelve exports pasted in turn, and the rows inside a file are not in date order — harmless, since every row carries its own date.
Beancount output
Apple Card export questions
Which column becomes the payee — Description or Merchant?
Merchant, which holds the clean name a human would recognise. Description is the raw authorization string and drags the merchant's street address, city, postcode and country along with it, so importing it fills a ledger with narrations forty characters longer than they need to be. Column detection reaches for the wordier one; the preset takes the readable one, and that is most of what it buys you.
Why did my card payment come out positive?
Because Apple wrote it negative and the preset inverts every amount in the file. On a card statement a payment is a credit that reduces what you owe; in your ledger the card is a liability moving back toward zero, which is a positive posting on the card side. Returns and Daily Cash adjustments behave the same way. If you would rather keep the issuer's own signs, use the generic converter with the invert control switched off.
What is the Purchased By column, and does it shift the mapping?
It names the family member who made the purchase, and it changes nothing here. Apple Card Family adds it as the last column, after every column this preset reads, so a family export and a single-cardholder export convert identically. If you want a separate account per person, sort or split on that column in a spreadsheet before pasting, or attach the name as metadata once the transactions are in your ledger.
Keep the ledger you just converted
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