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Is IB ONE Wallet Safe?

IB ONE Wallet privacy label · by Independent Bank of Michigan · checked November 2026

  • Collects location
  • Recently updated
App Privacy label Developer-reported · checked November 1, 2026
Used to track you
0types

None declared

Linked to you
9types
Not linked to you
0types

None declared

Short answer

Mostly a question of trust: IB ONE Wallet collects data linked to you but declares no tracking. The sensitive items are financial info, location, contacts and user content. In total the label lists 9 data types; 25% of digital wallets we checked declare tracking.

At a glance

IB ONE Wallet privacy in one look

Data exposure on the label
Linked to you
  1. 1
  2. 2
  3. 3
  4. 4

Built only from the developer's App Store label. It describes disclosure, not tested behaviour.

Verdict from the label
Linked to you, no tracking

IB ONE Wallet collects 9 data types tied to your identity but declares no tracking.

Try it

Did IB ONE Wallet ask for something?

Pick the permission prompt you saw. We compare it with what IB ONE Wallet's developer declared.

It asked me for access to…
Tap a prompt to compare it with the label.
Matches the label

IB ONE Wallet lists Location on its label, linked to you. Choose While Using and turn off Precise Location if the feature works without it.

Matches the label

IB ONE Wallet lists User Content on its label, linked to you. Choose Limited Access and pick only the photos you want to share.

Matches the label

IB ONE Wallet lists Contacts on its label, linked to you. Limited Access shares selected contacts instead of your whole address book.

Not declared on the label

IB ONE Wallet declares no tracking, so a tracking prompt would contradict its label. Decline it, and consider reporting the mismatch to Apple.

Not on the label

Health & Fitness is not on IB ONE Wallet's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

A permission is what the app can reach on your iPhone; the label is what the developer says leaves it. They answer different questions.

Line by line

What IB ONE Wallet collects, explained

Data typeWhat it coversWhere to limit it
Financial InfoSensitiveLinked to you Card numbers, bank details, credit scores, salary, income, assets or debts. Pay with Apple Pay where offered so the app never sees your card number, and turn on the app's own login lock.
LocationSensitiveLinked to you Where your phone is, either precisely (street level) or approximately (city or area). Settings › Privacy & Security › Location Services: choose Never or While Using, and turn off Precise Location if the app does not need it.
ContactsSensitiveLinked to you The people in your address book or social graph. Settings › Privacy & Security › Contacts: choose Limited Access to share only selected people, or None.
User ContentSensitiveLinked to you Messages, photos, videos, audio recordings, documents and support chats you create or upload. Settings › Privacy & Security › Photos: choose Limited Access or None; review Microphone and Files access too.
Contact InfoLinked to you Your name, email address, phone number or postal address. Use Sign in with Apple with Hide My Email where offered, and check the app's account and marketing preferences.
PurchasesLinked to you What you have bought or tend to buy. Review in-app marketing settings; subscriptions are listed in Settings › [your name] › Subscriptions.
IdentifiersLinked to you An account ID, screen name, customer number or a device-level ID such as the advertising identifier. Settings › Privacy & Security › Tracking: turn off Allow Apps to Request to Track, or tap Ask App Not to Track when prompted.
Usage DataLinked to you What you tap, open and view inside the app, plus which ads you have seen. There is no single iOS switch. Look for an analytics or personalised-ads toggle in the app's own settings.
DiagnosticsLinked to you Crash logs, launch times, hang rates and energy use. Settings › Privacy & Security › Analytics & Improvements › Share With App Developers controls what Apple passes on; the app's own crash reporting is separate.
Reading the label

What IB ONE Wallet's label means for you

IB ONE Wallet's label has 9 types under “Data Linked to You”. A data type can appear in more than one section when it is used for different purposes — for example, identifiers used for both analytics and advertising.

IB ONE Wallet declares no tracking, which means the developer says it does not combine your data with other companies' data for advertising or sell it to data brokers. The data linked to you — financial info, location, contacts, user content, contact info, purchases, identifiers, usage data and diagnostics — is still tied to your identity, typically through an account, and is covered by the developer's privacy policy and retention rules.

The items that deserve the most attention are financial info, location, contacts and user content. Financial data is high-value to criminals and is often regulated. Expect it in banking and budgeting apps; question it elsewhere.

Wallet apps hold payment details, passes or crypto keys. Financial data on the label is expected; tracking alongside it is the thing to compare. Back up recovery phrases offline for crypto wallets, and use Apple Pay where a card wallet is optional.

Among the 173 digital wallets in our snapshot with a label, 25% declare tracking, 55% collect data linked to you and 28% say they collect nothing. IB ONE Wallet lists 9 data types, more than the average of 3.3 for this group.

Finance apps need identity and financial data to function. Expect Contact Info and Financial Info; compare apps on tracking and third-party advertising instead.

On your iPhone

Settings to check for IB ONE Wallet

  1. 1

    Tracking

    Settings › Privacy & Security › Tracking. If “Allow Apps to Request to Track” is off, apps cannot ask, and they are told to treat you as having declined. You can also turn it off for this app alone.

  2. 2

    Location

    Settings › Privacy & Security › Location Services › IB ONE Wallet. Choose While Using or Never, and switch off Precise Location if a city-level answer is enough.

  3. 3

    Photos

    Settings › Privacy & Security › Photos. Limited Access lets you pick exactly which pictures the app can see; Add Photos Only lets it save without reading your library.

  4. 4

    Contacts

    Settings › Privacy & Security › Contacts. Limited Access shares only the people you select instead of your whole address book.

  5. 5

    Sign-in

    When creating an account, Sign in with Apple can give the app a relay address from Hide My Email instead of your real one.

  6. 6

    Lock the app

    On iOS 18 and later, touch and hold the icon and choose Require Face ID. Anyone who picks up your unlocked phone then needs your face, fingerprint or passcode to open it.

Cross-app tracking

Does IB ONE Wallet track you?

No tracking declared

There is no “Data Used to Track You” section on IB ONE Wallet's label.

Does IB ONE Wallet track you? Full answer and how to stop it →

iOS 18 and later

Lock IB ONE Wallet behind Face ID

  1. Find IB ONE Wallet on your Home Screen or in App Library.
  2. Touch and hold the icon until the quick-actions menu opens.
  3. Tap Require Face ID (or Require Touch ID / Require Passcode, depending on your iPhone).
  4. Tap Require Face ID again to confirm. IB ONE Wallet now asks for authentication every time it opens.

The lock is an iPhone feature, so it works whether or not IB ONE Wallet has a passcode of its own. It does not change what the app sends to its developer.

Lock or hide IB ONE Wallet: step-by-step guide →

From the App Store record

About IB ONE Wallet

DeveloperIndependent Bank of Michigan
App Store categoryFinance
Latest version26.1.7, released August 2026
First releasedJanuary 2012
RequiresiOS 15.0 or later
Size88 MB
Age rating4+
Languages1 (EN)
Bundle IDcom.fis.193SUB

The current version shipped in August 2026, so the app is actively maintained and its label is likely current. Labels are updated by developers when practices change.

Read with care

What the label cannot tell you

  • A label is self-reported. Apple publishes the developer's answers and can reject apps that misrepresent them, but it does not independently verify what IB ONE Wallet sends.
  • It does not say where data is stored, how long it is kept, whether it is encrypted, or which companies receive it. The privacy policy covers those points.
  • Optional data counts: if a feature lets you add something (a profile photo, a phone number), the type is listed even if you never use the feature.
  • Data handled only on your iPhone is not 'collected', so a no-collection label is compatible with an app that reads your files locally.
  • Third-party sign-in, payment processors and SDKs are supposed to be included, but a label can lag behind a new version.

The question to ask IB ONE Wallet's developer: If I lose my phone, how do I lock or recover the wallet?

How it compares

IB ONE Wallet vs similar digital wallets

Data types listed on each App Store privacy label
Tracks youLinked to youNot linkedCollects nothing

Fewer types is not automatically safer: a cloud backup app has to collect your files to work. Compare like with like.

Checking another app?

Look up any of our apps in seconds, or put two labels side by side.

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Do it now

Your IB ONE Wallet privacy checklist

Tick what you have done
Tick each step as you do it on your iPhone.

Done. You have applied every control the label points to.

Quick quiz

True or false?

  1. Q1IB ONE Wallet's privacy label says it uses data to track you.
    Right.
    Not quite.

    False: there is no Data Used to Track You section on IB ONE Wallet's label.

  2. Q2Apple tests every app to confirm its privacy label is accurate.
    Right.
    Not quite.

    Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.

  3. Q3IB ONE Wallet collects Financial Info.
    Right.
    Not quite.

    True: Financial Info appears on its label.

  4. Q4Data “Not Linked to You” is never sent off your iPhone.
    Right.
    Not quite.

    It is collected and sent; the developer says it is de-identified rather than tied to your account or device.

  5. Q5Tapping “Ask App Not to Track” can stop an app from working.
    Right.
    Not quite.

    Apple's rules require apps to work the same whether or not you allow tracking.

Questions people ask

IB ONE Wallet privacy FAQ

Is IB ONE Wallet safe to use?
Based on its App Store privacy label, iB ONE Wallet collects 9 data types tied to your identity but declares no tracking. Whether that is acceptable depends on what you will store in it. The label is developer-reported, not an independent security test.
Does IB ONE Wallet track you?
No. IB ONE Wallet's label has no Data Used to Track You section.
What data does IB ONE Wallet collect?
Financial info, location, contacts, user content, contact info, purchases, identifiers, usage data and diagnostics. Of these, financial info, location, contacts, user content, contact info, purchases, identifiers, usage data and diagnostics are linked to your identity.
Who makes IB ONE Wallet?
Independent Bank of Michigan, according to the App Store. It was first released in January 2012 and the current version is 26.1.7.
Can I lock IB ONE Wallet with Face ID?
On iOS 18 or later, touch and hold IB ONE Wallet's icon and choose Require Face ID (or Touch ID / Passcode). This is an iPhone feature and works for most downloaded apps, whether or not the app has its own lock.
How does IB ONE Wallet compare with other digital wallets?
Across 173 digital wallets with labels in our snapshot, 25% declare tracking and 28% say they collect no data. IB ONE Wallet lists 9 data types against an average of 3.3.
If I lose my phone, how do I lock or recover the wallet?
The privacy label cannot answer that. Look for it in IB ONE Wallet's privacy policy or support pages, linked from the App Store listing. Back up recovery phrases offline for crypto wallets, and use Apple Pay where a card wallet is optional.
How do I delete my data from IB ONE Wallet?
Apps that let you create an account must also let you start account deletion from inside the app (an App Store rule since June 2022). Deleting the app from your iPhone alone does not delete data already sent to the developer.
Facts on this page come from IB ONE Wallet on the App Store, as reported by the developer. Checked 2026-11-01. How we collect data · Report a correction