Every New Apple Wallet Feature in iOS 27: Split Bill with AI, Create a Pass from Anything, and More

Apple’s upcoming iOS 27 is a pivotal update for the Wallet app, delivering practical new tools that reduce reliance on physical cards and simplify shared payments. With features driven by Apple Intelligence, the Wallet is being repositioned as a single hub for loyalty cards, event tickets, hotel keys, and group finances. Apple announced the changes at WWDC 2026 and has already released the first developer beta .

Split Bill with Apple Cash and Visual Intelligence

The most high-profile addition is a new bill-splitting feature that ties into Apple Cash. The goal is to eliminate the headache of dividing a restaurant tab among a group. After one person pays the full bill, they simply scan the paper receipt with their iPhone camera. Apple’s Visual Intelligence engine processes the image, identifying every line item along with the tax and total .

The user then drags or assigns specific menu items to members of the group from their contacts. The system automatically calculates the precise amount each person owes, factoring in their portion of the tax and an optional tip. Once confirmed, individual payment requests are sent via Apple Cash directly from the Wallet, without switching to a separate app. Recipients can pay their share instantly, and the entire transaction remains in Apple Cash .

This feature isn't limited to a single entry point. It surfaces in the new Siri mode within the Camera app, inside the Wallet app, and also within Messages. In Wallet, the flow presents two clear options to users: request payment from others for the items they ordered, or pay your own share to the person who covered the tab .

Create a Pass: Digitizing Every Card in Your Wallet

For years, the Wallet has accepted passes only from specifically integrated third-party apps. Many gyms, small retailers, and local event spaces couldn't offer a digital version of their membership cards. In iOS 27, Apple is putting that power into the user's hands with a feature called "Create a Pass" .

By tapping the "+" button inside the Wallet app, users are presented with two distinct methods to create a pass :

1. Scan a Physical Pass: Using the iPhone camera and Visual Intelligence, you can scan a physical barcode or QR code from a loyalty card, a gym membership badge, a gift card, or a paper event ticket. The system automatically captures the data and digitizes the card into a native Wallet pass.
2. Manual Entry: If a pass cannot be scanned or you are building one before receiving a physical copy, you can choose from one of three preset templates: Standard (which creates an orange pass), Membership (blue), or Event. This option lets you manually type in the barcode number, a custom label, and the expiration date so the pass functions as a legitimate scannable credential .

Under the hood, Apple is expanding the types of barcodes the Wallet can support, adding EAN-13, Code 39, Codabar, and Interleaved 2 of 5 (ITF) to the developer framework. This broadens the compatibility for older and less common card types .

Enhanced Hotel Keys and Broader Digital Key Adoption

Digital hotel keys have existed in Wallet since iOS 15, but adoption has been limited to a handful of chains like Hyatt . With iOS 27, Apple is working with more access-platform providers to increase support. Smart-access company Salto announced that its hospitality platform will now work with Room Keys in Apple Wallet, meaning the feature will expand to a wider selection of hotels and resorts .

Guests at participating properties receive a digital key after booking via the hotel's app by tapping the "Add to Apple Wallet" button. Once the key is stored, they can bypass the front desk and go straight to their room, holding their iPhone or Apple Watch near the NFC door reader to enter. Keys also provide access to shared amenities like pools, gyms, and business centers, and can be revoked upon checkout .

Additional Refinements

Beyond the major additions, iOS 27 includes several usability and design upgrades to the Wallet and Apple Pay experience :

• Redesigned Apple Pay Button: The checkout button on e-commerce sites receives a dynamic design that visually highlights the customer's default payment method and relevant card benefits, such as reward balances and installment options .
• Preauthorized Payments Dashboard: A new section within Wallet consolidates every recurring charge, allowing users to see, track, and even revoke authorization for subscriptions, auto-reloads, bills, and installment loans directly from the app .
• Tap to Share: A quick-sharing mechanism is being introduced to share passes, keys, and cards with other iPhone users. Specific developer beta hands-ons show this is a streamlined NFC tap-to-send process, though the full scope of compatibility is still emerging .

Release Timeline

iOS 27 was announced on June 8, 2026, with the first developer beta (build 24A5355q) launching the same day . The public beta will be available in July through the Apple Beta Software Program. Apple has confirmed the free final software update will roll out to all compatible iPhones in the fall, with historical release patterns pointing to a mid-September date, specifically around the week of September 14 .