Apple has spent the last few years expanding what Wallet can hold, from driver’s licenses that now reside in about 14 states in the US to transit cards for cities like Atlanta, reducing the need to carry physical cards and documents.
Continuous expansion has turned Wallet from a simple payment system into a comprehensive digital hub. While Siri AI and Apple Intelligence stole most of the limelight at WWDC 2026, Apple Wallet quietly received its biggest upgrade with iOS 27.
More importantly, iOS 27 feels like those individual add-ons are starting to come together as a unified platform rather than a collection of separate features sitting within the same app.
There’s a lot to cover, so without further ado, here’s everything new coming to Apple Wallet with iOS 27 later this year.
Throw away your physical loyalty cards
If you’re tired of carrying around a stack of cards you never use because you forgot they’re there, Apple Wallet has something for you.
With iOS 27, you’ll be able to point your iPhone (via Siri mode in the Camera app) to any physical card (with a barcode), and save it as a digital card in Apple Wallet. You can also add a pass manually from within the Wallet itself.
Once saved, it appears as a scannable barcode or QR code in the app, ready to go from your iPhone or Apple Watch. If you’ve been carrying your gym card or library card for years out of pure habit, iOS 27 will finally give you a reason to ditch your wallet for good.
Digital passes are getting a lot of light
With iOS 26, boarding passes in Apple Wallet have received a rich redesign with more visuals and an integrated travel experience. With iOS 27, Apple extends the same treatment to various digital cards, including loyalty cards, rewards cards, membership cards, and gift cards.
Passes will get active background art, custom branding, and information tiles that reveal useful context, like loyalty point balances, event details, and membership benefits, right where you’d expect to find them.
What’s even more interesting is that Apple relies on real-time updates for these passes, and Disney World is the first in line. Later this year, Apple Wallet will automatically display your Disney World ticket as you approach the park gates.
Smart hotel keys that double as a concierge
Digital hotel keys aren’t new, but iOS 27 gives them a meaningful upgrade.
Besides opening your room, the new key will reveal all the details of your trip, updates about the activities you have booked, and give access to other facilities and services, all from the same pass, digital hotel key, in the Apple Wallet application.
Basically, the app will turn your room key into a mini concierge service that lives on your phone. The catch, however, is that it’s up to the hotels to enable the feature for their digital room keys, so don’t expect it to arrive everywhere on day one.
Splitting the bill has become very easy
This may be a very useful addition for anyone who has ever sat at the dining table, doing math with a napkin.
In iOS 27, Apple Wallet will allow you to scan a receipt using Siri mode in the Camera app, use Apple Intelligence to identify each item, allow you to give items to different people (if you’re going to speak Dutch), and calculate everyone’s share, including tax and tip. From there, it allows you to send Apple Cash requests, directly from within the app.
You can use the feature in Apple Wallet, Messages, or directly from the camera app. It’s only in the US when it launches, which is good news for us, and it requires an iPhone compatible with Apple Intelligence.
So, if you’ve ever been the designated bill-splitter for a party of six, this feature will be a lifesaver.
Redesigned Apple Pay payments
Apple Pay is also getting a checkout redesign that fixes a long-standing annoyance, something I’m also covering as a separate news story.
Currently, tapping a card on a payment sheet opens address settings instead of automatically changing cards. However, with iOS 27, you should be able to swipe between cards on the same screen.
The checkout interface will also display useful information such as rewards balances, account balances, and payment options later, before you commit to a single payment option.
To fill cards without leaving the application
Later this year, Apple Pay will let you add money to eligible debit and prepaid cards, either within Wallet or at checkout. A small addition, but if you’ve ever dropped a prepaid card at checkout, you’ll see why this is a welcome fix.
Tap to share: the fastest way to get out of the shops
Apple Wallet’s Tap to Pay already allows merchants to accept payments using an iPhone, but Tap to Share takes things even further. By tapping your iPhone on a participating merchant’s iPhone or supported payment systems, you can securely share information such as your shipping address, email, or loyalty information, the kind that usually means standing at the register and saying everything up.
You’ll also be able to view your last basket update, in real time, as the cashier scans the items, and pay right from your phone. This requires an iPhone 12 or later running iOS 27, though, something to keep in mind.
More barcodes, more countries
Wallet Pass now supports four additional barcode formats: EAN-13, Code 39, Codabar, and ITF. These are still used in places with older point-of-sale systems, which have not yet reached QR codes.
Better Wallet integration in Smart Stacks on Apple Watch
On compatible Apple Watch models, watchOS 27 locations are pinned to passes, keys, tickets, and transit cards continuously, based on the time of day and your location.
The feature wants to make sure that the right pass, depending on where you are and what you’re doing, is only a lift of the wrist when you need it.
A new app for businesses: Pass Designer
On the developer side, Apple has introduced a new Mac program currently in beta with macOS 27: Pass Designer. It allows businesses to create, customize, and preview new Enhanced Passes.
