[kilian]

The wallet app UI is the peak of Apple's 'single 20y/o in sf' design.

Anyone that has multiple card from the same bank (because, say, you have a personal account and a shared account with your partner) has to do the "pick between the two identical looking top 20px of cards" dance every time they use Wallet to pay for something. It is mind-boggling that the current UI persists.

[Terretta]

The same is true in a physical card wallet.

An 80 year old with early onset challenges can work this wallet, pick a card, and then hold the phone to the reader at a store. It's all co-opting "familiar" actions for them, not tech-like, which means they can do it.

The biggest UX issue Apple has for that persona isn't the wallet, it's the lack of physical home button. Everyone in their 70s and up seems to be given pause every time they aren't on the screen they expect, and even to unlock it.

Invisible affordances rely on memory rather than sight trigger: not good.

[lode]

> The same is true in a physical card wallet.

Not at all.

In my physical wallet, those identical looking cards have different names on them, ie. <myfirstname mylastname> and <mylastname - partnerslastname> for joint accounts. I can also mark them up with a marker, or request a different picture from some banks.

In iOS I need to remember that the one ending with 0044 is mine, and 0073 is for our joint account. I have no way to add an alias or distinguish them otherwise. This is ridiculous.

[Terretta]

> I have no way to add an alias or distinguish them otherwise.

Seeing ones own name on a physical card also doesn't say say which joint account it is, yours or your partners (my partner and I each have Bank X, and each have a card for the other, which only has our own name, so, I feel your pain).

But, there is a way!

1. Tap the card, then tap the card[123] icon upper right and "Enter physical card information".

2. Either scan the card or type it in. Add the CVV while you're at it, seeing this later requires an additional FaceID.

3. Add "Description" for "Mine" or "Joint" or whatever. (KEY STEP)

When asked if you want to replace the card with same number say yes. It'll stay the same card, same transaction histories, etc., but now have a distinguishing description.

[codesnik]

which is much better than nothing, but is a fairly recent addition

[the_other]

My banks provide different colour options for their cards. All my digital cards differ, even from the same bank. The alternate colours helps within the banks/ apps as well as within Wallet, so it's not just an iOS "workaround".

I agree, it would be nice if Apple added stickers, but the problem isn't, IMO, as bad as you make out.

Exceptions include transport and concert tickets. Most of the time this doesn't cause problems because I'm standing with the other people I'm travelling/gigging with, and the agent scanning the tickets doesn't care about any names on them.

[thdr]

> but the problem isn't, IMO, as bad as you make out.

But it is exactly as bad as they describe it. My bank doesn't provide color options for my cards, and there is no way to distinguish my two cards aside from the displayed four digits.

[dpoloncsak]

...so you keep the one you primarily use in the front of your card slot in your wallet, and the one you don't use often behind your other cards.

Apple wallet solves this in a similar way, letting you arrange the order

[thedougd]

I didn't know I could do that, so I just gave it a try.

First instinct, double tap the side button to open Wallet. Couldn't rearrange the cards there. So,I opened Settings app and couldn't rearrange the cards there. Finally, I opened the Wallet app and found I could rearrange cards there, though there's no visual indicators that I can. I accidentally changed my default card on the first attempt.

[thdr]

Yes, I can try to memorize the order of the cards. What a lousy workaround, and absolutely no reason to defend poor UI design.

[Terr_]

> My banks provide different colour options for their cards.

I'd like to take a moment to appreciate a tiny "UX feature" that punches above its weight: When multiple physical cards have different base-colors to their plastic, visible along the edge.

This reduces how often you even need to check the face of a card. With several in one sleeve/stack, you can slide out the one you want, knowing that (for example) blue is credit, green is debit, red is the shared family one etc.

With my kind of wallet, if I had to pick I'd rather customize the edge-color versus the faces.

[alistairSH]

That's not universally true.

I have a shared checking account with my spouse. Both my personal card and shared card are the same, save for the actual card number.

[jermaustin1]

Same here. I'm in the US. I actually thought Credit/Debit cards had to have YOUR "full" name on them.

My wife and I share MANY accounts, and none of our cards have a "shared" name on it.

[bombcar]

The only information sent to the card processor is the swipe (number expiration date) and sometimes the zip code and verification code on the back (if entered by hand).

[jermaustin1]

When my wife worked retail (20+ years ago), she had to verify the name on the card with the name on the machine with the name on their ID. They caught a decent number where the machine had a different name pop up than the card showed. And WAY more when comparing both to their ID.

They called her "The Bulldog" because of how vigilant she was about it. That store lead the region in CC Fraud. But soon they were the bottom of the region in shrink and loss prevention.

[chimeracoder]

> The only information sent to the card processor is the swipe (number expiration date) and sometimes the zip code and verification code on the back (if entered by hand).

For credit cards? No, that's not necessarily true.

[marcus_holmes]

I use physical stickers on my cards to tell them apart

[bdamm]

First; have you heard of a sharpie?

Second; have you tried this with actual 80yr olds with early onset? Because I have. It doesn’t work, not even close. The steps require to get to that point are impossible for an 80yr old with early onset to even get close to. From trust, to setup, to even the stupid double-click with arthritic fingers, it’s fraught with roadblocks. And forget swiping.

This is a massive problem. The lack of care for options to equip seniors with usable iPhones is a massive problem right now. It is causing suffering both in the seniors and in the people who love them.

[k310]

Thank you for bringing this up. I am 77 and techie through and through, but with several ios gadgets mostly on 26, it's a fright trying to swipe. The iphone SE3 has a home button. The Christmas sale ipad has a touch (raised) button. And nuttier than squirrel **, the volume buttons reverse up and down functions when you rotate the ipad. Some controls pull down. Some pull up.

And Apple+ wonder why people cling to older OS versions. It's not change so much as disorientation.

PS. I sharpie everything. Even with myopia, I can't read "best by" dates. It takes a powerful magnifier in addition to my macro lens eyes.(less the glasses) This is crazy. I sharpie the dates at home.

And a bit off-topic, only Trader Joe's provides big readable price labels. I need the phone camera to read prices elsewhere, even with the correct glass prescription. And ingredients? Fuggedaboutit.

UPC could be a starting point for fetching info, but nobody's starting.

[michael1999]

Yeah. iPhone and iPad have gone backwards for my mother every year. Losing the home button was a disaster. Every edge swipe, or double-click is more trouble. The new stuff is great for me, but the original skeuomorphic designs were so much better for my mom.

[testfoobar]

I feel truly sorry for older folks navigating apps/logins/passwords/etc.

Their experience is often utter shit.

Two examples:

1. Often older folks have their screen zoom maxed out for readability. Extreme zoom will often place critical fields and buttons off-screen - making the app useless.

2. Fingers and hands of older folks often tremble. So imagine holding in your trembling left hand your phone, while you're trying to hit a target with your trembling right finger. All while standing in line to get a discount on your groceries.

[HoldOnAMinute]

Because technology is about promotions and shareholders, and not about the USERS of the technology.

[smaudet]

Even as a non-80 year old (much closer to the first half than second), I don't understand what has been built or why I would care...

A piece of paper has infinite battery life and perfect UX (ignoring security for a second). I don't have to remember to add it to something and then worry if I added it, or how I can give it someone later...this idea of a pass you build doesn't seem to pass the "does it make sense" test.

[gortok]

But it’s not true of a physical wallet. I have 8 locations in my bi-fold wallet I can place any given card, orientation-wise.

Lower left, lower right, upper left, upper right, inside left, inside right, dollar bills left, dollar bills right.

[mh-]

Isn't the same true of the wallet on iPhone? I drag and drop reorder my cards as necessary. There's a fixed number of positions that fit above the "fold" (in the scrolling sense).

[gortok]

No. I have only a vertical ordering available in Apple wallet. A card can be above another card or below another card. I have 3d physicality in a wallet that Apple wallet does not replicate.

[mh-]

Ah, so two+ columns vs one.

[forrestthewoods]

I can fully control the location of cards in my physical wallet.

The sorting of the Apple Wallet column is a mystery to me. I can probably control it. But I couldn’t tell you how. It also lacks tactile feel. So it’s just not the same. It’s a sloppy mess.

[gortok]

Two columns vertically, but four columns deep in 3D space.

[Forgeties79]

I don’t know about you but I can’t possibly remember what’s in every fold and pocket because most of the stuff is used infrequently but is still necessary to have on me (health insurance card, for instance).

I basically only know what’s in one or two places. I just end up rifling through everything until I find it

[brandon272]

> The biggest UX issue Apple has for that persona isn't the wallet, it's the lack of physical home button.

I'm in my 40s and don't have much trouble with reaching Home by swiping up from the bottom. But anecdotally, when I observe a person who is 65+ operate their iPhones, 9 times out of 10 they experience problems swiping up from bottom to reach Home. The swipe up does nothing, presumably because they aren't starting the swipe from low enough on the screen.

[delecti]

The hands of older people are also just literally less compatible with a capacitive touchscreen, because skin retains less moisture as we age. If you've ever seen an older person licking their finger before turning the page of a book, that's why.

[ridgeguy]

Also, fine motor coordination often declines with age. Can make it hard to do a swipe or hit a key reliably in the first try.

[Melatonic]

I still like my physical keyboards - bring back sliders !

[rkagerer]

One stupid button would solve all that. I'm of similar age as you and really miss buttons. In my car, on my devices, on appliances, etc. There are applications where capacitive touchscreen buttons make sense but by and large all they've done over the last 15 years or so is enshittify everything.

[toast0]

> The same is true in a physical card wallet.

You can markup a card in a physical wallet. And then originally identical cards become visually distinguishable.

[mh-]

Riffing on your comment: would be neat if Apple let you add a sticker to the corner of each card.

[pivo]

Yes, exactly. Or some simple text to overlay at the top of the card, it's a very easy problem to solve as far as I can tell.

[jonas21]

> the lack of physical home button

You can use the Accessibility settings to add a virtual home button that's always displayed in the same place on-screen. That seems to work pretty well for the older folks I know.

[odysseus]

It wasn’t obvious where to add a virtual home button, so I’m adding instructions here:

Settings > Accessibility > Touch > Assistive Touch

[kungito]

I put a small piece of tape over my gym card since wife has identical one. Freedom of customization

[dstroot]

> “The biggest UX issue Apple has for that persona isn't the wallet, it's the lack of physical home button”

So true! Also my 84 year old mother can never figure the difference between a web site and an app. If I could add a home button and solve the second issue her life would be much better.

[ubersnack]

I’ve just tried creating a shortcut with the action “Go to Home Screen”, and then assigning the action button to that in Settings -> Action Button - seems to work pretty well so far, hopefully this could work for them as well

[nine_k]

You can put color labels on top of cards, so that they look distinct even in a typical physical wallet that only shows the top part of each card.

Or, say, Google Wallet shows you can the last 4 digits, and allows to name a card, so choosing between identical-looking cards of the same bank is easy (I do it regularly).

But Apple are not fans of letting the user customize things.

[croes]

> The same is true in a physical card wallet.

That’s why Apple has to copy the problem for the wallet?

[coldtea]

>The same is true in a physical card wallet.

If only a digital UI didn't have the same skeuomorpic limitations a physical card has ...oh wait!

(And it's not true that the same issue is true in a physical card wallet. In a physical card, either you get a different design from the bank, or you can trivially write on it with a marker or add a sticker to differentiate it).

>An 80 year old with early onset challenges can work this wallet, pick a card, and then hold the phone to the reader at a store.

A, yes, the standard target group for iOS and the Wallet app in particular.

I swear, the arguments people make...

[Melatonic]

And lack of a "back" button. Although they have sort of improved that with the little teeny tiny back arrow that sometimes appears in the upper left of the screen and is hard to click

[lostlogin]

You can draw or write on a physical card, or add a scratch etc.

The Apple thing where you can switch cards is a weird interface too, even after you have done it a few times.

[ale42]

> The same is true in a physical card wallet.

Except that I can mark the actual cards in some way... plastic labels work perfectly fine on credit/debit cards.

[mbishop]

> The same is true in a physical card wallet.

But I can write on my cards with a pen to visually make them unique.

[ravenstine]

What does an 80 year old (or anyone really) need with more than one or two cards on a daily basis where this would be an issue? Not being flippant; I legit want to know what leads to this. I have multiple cards but there's only one I use 99% of the time, and it's pink so it stands out.

[kergonath]

> What does an 80 year old (or anyone really) need with more than one or two cards on a daily basis where this would be an issue?

In my physical wallet I can take the card I use daily (which is on a limited account and no big deal if I lose it) and leave the others at home. On my phone, there are all the cards I ever used or plan to use at some point in the future.

[mh-]

To that end, I do wish there was a way to hide some cards in wallet inside a "folder" or something. As is, they're there front and center, or not added at all.

[ghaff]

I'm not 80 but do have a backup credit card and debit card and I do travel. So it's not so much "daily basis" but I do have a handful of cards that I keep with me.

[PaulHoule]

In my house we have two businesses [1][2] so that adds two cards. You may also have a card for medical expenses that can be reimbursed with a FSA/HSA or a prepaid debit card that you got as a gift, etc.

[1] don't tell Mr. Fox he's running a business

[2] ... and will probably be adding a third

[bombcar]

Some banks have their debit and credit cards almost identical.

You may have multiple cards from the same bank (personal, family, business).

Different cash back from the same bank making you want to use one card over another.

[robocat]

My bank does a slightly different cutout notch at the top of the card for credit card versus debit card. It is useful for orienting card when inserting into card readers (or cash machines).

Apparently an accessibility thing and maybe a wider standard than Mastercard. See image of cards near top of https://www.mastercard.com.au/en-au/personal/find-a-card/tou...

[anikom15]

ID, Medicare card, HSA card, SSA benefits card, 401k/pension card, debit card, credit card, AAA card, and that assumes he only has one of each!

[rurp]

Apple and Tesla are two companies that somehow have a widespread reputation for great UX that I think are absolutely atrocious in that area. It's not just 70 yearolds, an iphone is unusuable for someone of any age if they've never used one before and don't have someone to tell them how to do core actions like back or home.

Tesla loves to hide critical functionality in non-standard places, often buried in touch screen menus. They can move items at any time. That's insane to me, but I guess I'm the outlier.

Android's move to gestures is lame copycat behavior. I've actually seen people online defending it on the grounds that using gestures feels cooler. Maybe that explains it, many people will take UI gimmicks over solid usability.

[FireBeyond]

Right, especially Tesla. The one thing I will say about Tesla's UI (not UX) is that for a while (and admittedly to this day, still, largely) it looked far better and pleasing than most auto UIs. But 1) others are catching up on that front, and 2) as you say, the UX is often garbage.

[patapong]

So? Computers are the dream machine, we should strive to do better than physical reality, not mimic it.

[Dries007]

Except that personalized cards have been a thing since I've had a card in 2014...

[jbverschoor]

If you have multiple cards with the same bank you'll need to remember the last 4 digits. It's total bs

[yandie]

My Amex cards show up like the physical ones with the actual physical design elements like colors etc… so maybe it’s bank dependent?

[bombcar]

Some banks are better than others - Apple is amusingly bad at it if you have the Apple Card and your wife has you shared on hers. Two white rectangles, both alike in dignity, in fair Cupertino, where we lay our scene.

[Invictus0]

This is silly. "It matches a 70 year old's muscle memory" should not be the sole test of good design; if it were, then we would be plugging mouses and keyboards into our phones.

[pseudalopex]

Please respond to the strongest plausible interpretation of what someone says, not a weaker one that's easier to criticize.[1]

[1] https://news.ycombinator.com/newsguidelines.html

[bombcar]

As we more and more mandate smartphones to live, we need to take accessibility into account. Watching "the olds" (which we are all fated to become someday unless something intervenes) fight technology is eye-opening; especially when you realize that you are starting to fight it.

I never knew there was a virtual home button available in iOS; but apparently there is.

[mvdwoord]

First thing I noticed too, as I have multiple cards from the same bank. I also noticed they show you last digits of the ... CARD number, not the account number which would be tremendously more helpful. But I figured out you can put little icons on the cards. Which my bank did automatically for my business account. I added a little person icon for my personal account. Maybe bank specific though but definitely super dumb that you cannot label them yourself easily in the wallet app.

[eNV25]

That's ridiculous. The card number has nothing to do with the account number.

[bombcar]

Sometimes it does, sometimes it doesn't. My debit card from my credit union is easy to map to the account as they share digits, but other debit cards from other institutions are completely unrelated.

[ryandrake]

This whole comment section looks to be turning into a "Falsehoods Programmers Believe About Credit Cards" blog post.

[parl_match]

Yes, that's the problem.

[mikepurvis]

I'm 39M and have ended up with a bunch of different credit cards; I get annoyed picking between them even without the additional complication of them being identical in appearance.

For me it's my daily driver, my Costco branded card, my airline's amex card, my USD denominated card, and my work-issued card. There are also two ATM/debit cards in there which I'll occasionally choose at small merchants where I know the CC fees hit them harder.

In most cases I just want the daily driver, but the airline card gets good rewards for dining so it does come out reasonably often as well. The USD card I can mostly ignore unless I'm traveling there and can temporarily set it as the default.

[aingisni_del]

Spot on re: App UI designed and engineered by 20y/o in SF. That is actually accurate, because that was (is?) the team that engineered it. I interviewed with them sometime ago when Apple Pay had just come out, and that entire Wallet/Passbook team seemed really toxic and ... very mediocre. Not surprising that this feature hasn't seen much improvement over time.

[rootusrootus]

This has been one of my peeves for years. Apple is capable of good design, and overall is well regarded for it, but there are a number of places where they have blinders on and absolutely refuse to fix extremely obvious missteps.

[jbverschoor]

You say good. I'd call it minimal. Minimal doesn't mean good.

For example, I have bold text, larger text. On my mac I have all these contrast increasing settings enabled, simply because it's *not* good "design"

It's good that it's minimal, but this minimalism is also why many things don't work (timemachine, icloud files/photos -> everything needs to be automatic, causing recurring downloads follewed cache eviction of those files). Etc etc etc

[smt88]

Apple is capable of beautiful and minimalistic designs, but their usability has been terrible since basically the iPod.

Minimal is often an enemy of usable.

[conradev]

The design is skeuomorphic, modeled after a standard bifold wallet which gives your physical cards the same treatment.

My current wallet doesn't give me any affordances: https://grifiti.com/products/grifiti-band-joes-3-25-x-1-25-i...

[waterproof]

your current wallet lets you add labels or stickers to your cards.

classic Apple situation - look, this is super clean, intuitive software! but if you want a reasonable level of flexibility that you would expect elsewhere, you are SOL.

[kjkjadksj]

Nothing like having every flight you ever booked continuously stored forever. So easy to say “gee this flight was three days ago, maybe they don’t need the boarding pass anymore”. I just checked and I somehow have a covid test from 2022 stuck in there.

[amluto]

The flow for removing cards is also a fantastic exercise in slowness.

[ncr100]

How so?

[amluto]

Open the Wallet app (the double-tap-power view doesn’t work). Ask to delete one card at a time (which requires two taps which a short mandatory wait between them due to the animation). Tap again to confirm. Then wait an obnoxiously long time for the too-cute animation to complete. Then repeat for the next card, while wondering why there is no bulk remove operation of any sort.

[avemg]

Yep! Extremely annoying when traveling with my family of four!

[KingMachiavelli]

Wouldn't the app registering the card provide the card image? And actually cards from the same provider/app are suppose to occupy the same "vertical" slot but then show a horizontal dialog. Also, I bet even with the identical looking 20px preview, the actual order is consistent so just remember which is which - same interface physical cards provide.

Is there a reason to not pick a single card as your default payment card? I find it's pretty rare I need to pick a card manually unless it's a store card or card for specific spending type (resturants, gas, etc.)

[timacles]

When I first started using it I thought something was broken

[ncr100]

Which something? The identical-ness of your particular collection of cards, in the wallet?

[OJFord]

Well, I don't know what it looks like in Apple Wallet, because I use Google Wallet, but for the same reason I'm struggling to imagine the problem because there the cards are pretty large – maybe ⅔ real card size on my Pixel 10 – and in a carousel at the top. So you can see clearly which one the active one is, and just swipe between them if it's not the one you want.

Easier than my physical wallet tbh, where they're behind each other, which I say begrudgingly because I've long held out, only starting to use the app a couple of weeks ago.

[okrad]

Switching your card when using Apply Pay as part of checkout on website was better when tapping the card icon allowed you to switch the card you are paying with but since iOS 26 that is for editing your billing address… if you want to change the card you have to select option below that with no icon titled “Other Cards & Pay Later Options”

[e40]

Speaking of that, sometimes I touch the card I want and it doesn't select it. I go through this dance of touch, wait, touch, wait, repeat. Insane.

[sitzkrieg]

apple is a masterclass of terrible uis and hidden interactions

[duxup]

I like it. I don't really need 20 cards in my apple wallet, so I just don't ... I just keep what I need like my existing physical wallet (now smaller because of my apple wallet).

[spike021]

I have multiple Chase cards but they do look different from each other physically and in the Wallet app. Isn't that just a bank issue of not making cards differentiate from each other?

[codesnik]

give me ability to write a damn whatever on the card. My bank provides USD, EUR and other currencies on different cards with exact same cover. Maddening.

I can imagine that we don't have this option just because people would put their PINs there, and maybe it's not exactly secure enough, but sprinkle some validation on top and we'd be ok.

[troupo]

There's also no way to go to the wallet from the actual shortcut screen you most commonly use (the double-click power one)

[dfunckt]

Wait, what? Double-clicking will prompt for Face ID to open your default card for oayment, and from there you swipe down to see the stack — which I suppose is the screen you’re looking for.

[troupo]

But you cannot edit, add, or remove anything in this stack, and there's no way to go from it to the wallet. You have to close it, and open the actual wallet app which will show a slightly different view, and more items

[dfunckt]

You’re right, I never noticed!

This actually also explains why I couldn’t change my default card the other day - I must have been in that screen that opens from the button shortcut.

[MagicMoonlight]

You can order them in whatever order you want and set your main one as the default.

[codesnik]

good for you and your particular bank.

[SOLAR_FIELDS]

Another related annoyance, and I’m not sure if this is Apples fault or the developer’s fault, but things like plane tickets don’t expire out. You don’t need to auto remove them (but perhaps give me the option to opt in for that) but slightly greying expired ones out in the ui by default would go a long way towards helping with this

[yieldcrv]

long hold to re-arrange your rearrange what your default card is - but to the bottom of the stack - is dumb

[bombcar]

Apple has my location at every moment of my life, from birth to natural death, and they can't switch the default card based on the store I'm in?

Will wonders never cease.

[HoldOnAMinute]

It works aggressively in Walgreen's

[red369]

This one seems harder to get right to me. The cards are stacked so that the card further down the screen is the top of the stack (the card overlap indicating which is in front of which). I would guess this was done because if you can only see part of the cards behind, seeing the top of the obscured card is more useful than seeing the bottom.

I could be missing something, but where there is no perfect solution, I want to be slower to say the option they chose is dumb.

[yieldcrv]

Appeal to authority fallacy

[red369]

Do you mean that I am falling into that?

Quite possible! Could you explain? I don’t see it yet.

I guess I just think of it as where there isn’t an obvious correct answer, best not to criticise another choice.

Especially when there seem to be inexplicable choices out there which should be criticised with higher priority!

I’ve just been participating in a conversation about the two different functionalities of the wallet app.

That seems clearer to me as an unnecessarily confusing experience.

[aurareturn]

Why doesn’t the bank design a slightly different top for different cards?

[alistairSH]

Because the cards aren't different cards.

In my case, I have a personal card and a shared card from the same bank. The card type is the same, one just happens to have my spouse as a co-owner.

Some banks do allow you to pick a card look/image. Most don't.

But whatever the case, Apple really should allow tagging cards in the Wallet with a small icon/emoji/something. It doesn't need to be fancy - just enough to visually distinguish two otherwise visually similar cards.

[jqpabc123]

just enough to visually distinguish two otherwise visually similar cards.

How about a simple, old fashioned text label for each card?

[bombcar]

For all I know there is something like that, but it'll be buried in settings, probably in accessibility, where nobody ever goes.

Discoverability of options on the iPhone is fraught with danger and distrust, I learned about CarPlay widgets a few days ago and I've used it for years.

https://www.youtube.com/watch?v=-rUminiQjtM

[jqpabc123]

From my limited experience, Apple often denies the obvious for the sake of asthetics.

For example, the simple utility of a [Backspace] key.

[pseudalopex]

Apple's keyboards have keys marked delete or a symbol where other keyboards have keys marked backspace, delete, or a symbol. Their utility was the same in my experience. What obvious difference did I not see?

[codesnik]

I've tried to come up with the reason they don't do it, and thought MAYBE they were afraid people would put PINs for the cards there and they thought it's a bad idea. I wonder why I even tried to invent a good reason for them, designers could just lack perspective and do not care at all, even in apple.

[alistairSH]

Why would you save the PIN? It’s not required when doing Wallet transactions - it uses Face ID or similar.

[codesnik]

contactless ATMs

[lobster-emoji]

> shared account with your partner

Do stupid things and the UI looks stupid. Shocker.