Cash now understands your money more accurately, and gives you more control.

• Transfers make sense: money you send to someone counts as spending, money you receive no longer inflates Safe-to-Spend, and moving money between your own accounts, topping up your wallet, or paying your credit card is no longer counted as spending or income.
• Refunds and reversals now match the purchase they correct, and a pending hold is counted once when it settles.
• Possible duplicate alerts are kept for you to confirm instead of being discarded.
• Security codes and promotional messages no longer create transactions.
• App Lock is optional and off for new users; if you already use it, it stays on. With App Lock off, Cash opens instantly.
• Delete All Data now clears every screen immediately and takes you back to setup.