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But why bother with that, I thought, when my physical bank card can do the same thing?

I just couldn’t imagine putting my banking details into my phone where they might be discovered and copied.

iPhone paying for something using Apple Pay at a card reader

For that same reason, I had never used my bank’s mobile app at least until recently.

How secure is Apple Wallet and Apple Pay?

Apple’s document onApple Pay security and privacyoffers a few interesting data points on the safeguards in place.

A close up image of the Apple Wallet app

Is Apple Wallet easy to use?

With those concerns put to rest, I set about to use the Wallet app with Apple Pay.

After registering your card, you may need to confirm everything on your banking app, as I did.

Apple Pay on an iPhone

you’re good to go.

To pay, all you have to do is summon Apple Pay by double-tapping the power button.

A nice addition to Apple Pay is that it keeps a log of your purchases.

Apple cards on an iPhone

On the downside, I now constantly see just how much Ive secretly spent on snacks.

Still reaching for my wallet?

My month with Apple Pay convinced me it’s the way to go.

Apple wallet in front of a phone lying on a wallet

I’m not going to completely stop using a bank card or carrying around a physical wallet.

While Apple Pay it is easy to use, you’re still beholden to your phone having enough battery.

Ditto for those times when you encounter a place where Apple Pay isn’t accepted.

Apple iPhone 15 Pro 128 GB in…

Apple iPhone 15 Pro 128GB

Verizon

Apple iPhone 15 Pro 128GB

Snap Grip Wallet.

An iPhone 16 in hand in front of MacBook Air 13-inch M3 on table

iOS 16 Fitness app on an iPhone 12

Google wallet app on screen

iPhone 16 Pro Max shown in hand

iPhone 16 colors hands-on.

Recipes in the food section of Apple News Plus on an iPhone

iPhone 17 Pro renders.

iPhone 17 Pro Max render

A person holding a Nintendo Switch 2 playing Mario Kart World

2025 Rivian R1S Tri-Motor test drive review.

ChatGPT generated image

Garmin Vivoactive 6 in emerald green with the Morning Report shown on the screen

2025 Toyota bZ4X at New York Auto Show.

Left to right: Billy Magnussen, Osy Ikhile, Paul G. Raymond, Cristin Milioti, Milanka Brooks in Black Mirror season 7