iOS 27 Wallet Adds 7 New Features, From Bill Splitting to Custom Passes

Apple’s iOS 27 update pushes the iPhone one step closer to replacing every card in your pocket. Apple Wallet gains seven new features, including AI bill splitting through Apple Cash and a Create a Pass tool that turns paper loyalty cards into digital ones. Most of the new tools run on Apple Intelligence, which means they require an iPhone 15 Pro or newer.

Apple unveiled the Wallet changes at WWDC alongside broader services updates, according to Apple’s newsroom release. Developers can test the new build starting today through the Apple Developer Program, and a public beta opens next month. The full release ships as a free software update this fall.

Seven New Features, One Direction

Apple is grouping the Wallet updates around a single idea: the iPhone as a full wallet replacement. The seven new features cover payments, identity, passes, and trip management, with two of them leaning on Apple’s Visual Intelligence system to read the world around you. The other five work on older hardware too.

Taken together, the additions push Apple Wallet into roles that used to live in third-party apps, including scanning paper receipts, building custom digital cards from scratch, and showing hotel reservations alongside the room key. Apple is also rewriting the Apple Pay checkout sheet and adding a Tap to Share handoff between iPhones at the register. Those last two are not counted in the headline seven new features, but they ship in the same iOS 27 release.

The seven Wallet changes at a glance

The Pass Toolkit Behind Custom Cards

The biggest underlying change is to the Wallet pass format itself. Apple introduced a Poster Generic pass template aimed at loyalty cards, gift cards, memberships, and rewards programs, with full background images and a slot for a primary logo. Developers can build the new style through a new Pass Designer Mac app that uses a WYSIWYG editor.

Each Poster Generic pass can carry a header field, a footer field, primary fields, and an optional barcode. Apple is also letting users verify the pass issuer’s certificate to confirm a digital pass is legitimate, though that check does not apply to passes created inside Wallet.

Two interactive tiles called Featured Actions can sit at the bottom of each pass, linking out to a webpage, opening directions, or surfacing a rewards balance. Apple described the new tiles on its developer page for new Wallet passes as a way to give customers easy access to useful information through universal links.

Four new barcode types are now supported alongside the existing formats: EAN-13, Code 39, Codabar, and ITF. The additions cover the barcodes printed on most retail receipts, library cards, and shipping labels.

Anatomy of a Poster Generic pass

For developers, the new Pass Designer Mac app is the most visible tool change. Apple is also offering a server-side Pass Builder package, written in Swift on server, that programmatically creates and signs Wallet passes. The two together replace the old workflow of hand-editing pass JSON files.

Building a Custom Pass from a Physical Card

For users, the most hands-on new feature is Create a Pass, a workflow that sits in the Wallet app’s add menu. The option lets you scan a physical card with your camera or build a pass from scratch by hand. Apple describes it as a way to digitize tickets and memberships that never shipped with an official Wallet pass.

Three templates are available: Standard, Membership, and Event. Each one comes with relevant fields preloaded, including Member Status and a membership number for the Membership template, or Admission Type and seat details for Event. Fields can be added or removed, with options including label, date, contact, coupon code, VIN, and insurance. The barcode slot accepts any scannable code you point your camera at. AppleInsider found that the scanner copies whatever it sees, which means a stray box of ibuprofen’s barcode can end up on a custom pass if you are not careful.

Visually, the feature ships with twelve background colors and seven custom backgrounds for categories like theater, music, sports, and movies. The new passes can also be pinned to the Smart Stack on Apple Watch for quick access from the wrist.

Field options inside Create a Pass

• Label: a generic name-value pair
• Date: a date picker
• Membership: member number and status fields
• Contact: phone, email, or address
• Coupon code: a single-use or repeating code field
• VIN: vehicle identification number
• Insurance: policy and member ID fields

AI Bill Splitting and Wallet’s Spending Insights

Two of the seven Wallet updates lean directly on Apple Intelligence. The first is bill splitting, which uses Visual Intelligence inside the new Siri Mode in the Camera app. Point your camera at a receipt, and the system builds a digital copy of every line item.

Each diner selects what they consumed. The feature then calculates tax and tip automatically and lets you pay your share through Apple Cash. Apple describes the feature as a way to settle a tab without anyone doing math at the table.

The second AI-driven feature is Insights, a spending tracker that lives inside Wallet. Users can add financial accounts and monitor spending, recurring transactions, and account balances in one view. Apple calls it an expansion of the Connected Accounts feature that shipped in earlier iOS versions, and it currently works with several UK banks that support Connected Cards. Apple has not named a US launch partner for the same level of account linking.

Apple Cash, the only payment rail for bill splitting, is a U.S.-only product. Apple Cash accounts are provided by Green Dot Bank, Member FDIC, with Apple Payments Services LLC acting as the service provider of Green Dot Bank. The broader Apple Intelligence rollout, which is what makes Siri Mode and Visual Intelligence possible, runs alongside Wallet changes that touch Siri itself; how Siri is changing in iOS 27 is a separate read.

By the numbers in the new Wallet

• 12 background colors to choose from in Create a Pass
• 7 custom backgrounds for categories like theater, music, sports, and movies
• 4 new barcode types: EAN-13, Code 39, Codabar, and ITF
• 2 Featured Actions per Poster Generic pass

How Wallet Expands Across Hotels, Parks, and Countries

Wallet’s reach also widens by geography and by venue. Order tracking, which lets the app surface shipping updates from your email, expands from the United States and United Kingdom to Australia and Canada. The two new markets bring the supported list to four countries.

Hotel keys gain a richer experience at participating properties. Guests will see more trip details on the lock screen, receive updates about booked activities, and access hotel services directly through the pass. Apple outlined the hotel work in its iOS 27 services announcement, framing the upgrade as an enhanced key experience for participating hotels and resorts.

Apple is also working with Walt Disney World to surface reservations, tickets, and upcoming events in real time inside a Wallet pass, with a notification on iPhone and Apple Watch when the guest arrives at the park. Outside the Wallet pass itself, a small UI update makes the Orders tab easier to reach and shows more product detail inside each order. The Wallet app also ships with an updated icon in iOS 27.

Where Wallet order tracking works

• United States: available since iOS 26
• United Kingdom: available since iOS 26
• Australia: new in iOS 27
• Canada: new in iOS 27

Apple Pay’s New Checkout and the Tap to Share Handoff

Two checkout changes sit alongside the seven headline features. The first is a redesigned Apple Pay sheet that lets users swipe between cards and surfaces more information about each one. Eligible cards will show reward balances, pay-later options, and debit account balances before the user confirms the transaction.

Apple is also planning to let users add funds to eligible debit cards in Wallet later this year. The change arrives alongside the broader iOS 27 release rather than as part of the beta.

The second checkout change is Tap to Share, which uses Tap to Pay on iPhone to connect a shopper’s device to a merchant’s iPhone in seconds. Once linked, the customer can review the cart in real time and pay through Apple Pay without re-tapping their phone or card.

Apple describes the workflow as a faster in-store checkout that also surfaces basket items so shoppers can keep track of what they are buying. The feature lands this fall, Apple says, in line with the broader iOS 27 release.

Devices, Beta Timing, and What’s Still Missing

Visual Intelligence is an Apple Intelligence feature that requires an iPhone 15 Pro or newer, per Apple’s guidance. That gate covers the camera-based bill splitting flow and the camera-based Create a Pass scan. Most other Wallet changes, including order tracking, the Poster Generic pass style, and Insights, should work on any iPhone that runs iOS 27.

Developers can test the new features through the Apple Developer Program today. A public beta will be available through the Apple Beta Software Program next month, and the full iOS 27 release ships as a free software update this fall. Readers who want to sign up for the public beta can do so through Apple’s public beta signup page. Some features are still gated by region: Apple Cash bill splitting is U.S.-only, and Insights currently relies on UK banks that support Connected Cards.

Frequently Asked Questions

Will these iOS 27 Wallet features work on any iPhone?

The Visual Intelligence paths inside Create a Pass and bill splitting need an iPhone 15 Pro or newer. The other Wallet changes, including order tracking, the Poster Generic pass style, and Tap to Share, work on any iPhone that runs iOS 27.

How do I split a bill with Apple Cash in iOS 27?

Open the new Siri Mode in the Camera app, point it at a receipt, and let Apple Intelligence scan the items. Each diner selects what they ordered, and tax and tip are calculated automatically. Payment goes through Apple Cash, which is a U.S.-only product.

Can I create a Wallet pass from any physical card?

Yes, with limits. Apple’s three templates, Standard, Membership, and Event, accept custom fields including label, date, contact, coupon code, VIN, and insurance. The barcode slot accepts whatever code your camera sees, so care is needed if multiple barcodes are in frame.

Where does Wallet order tracking work in iOS 27?

Order tracking is available in the United States, the United Kingdom, Australia, and Canada. Australia and Canada are new in iOS 27; in iOS 26 the feature was limited to the United States and the United Kingdom.