Apple has spent the last few years expanding what Wallet can hold, from driver’s licenses now live in as many as 14 states in the US to transit cards for cities like Atlanta, reducing the need to carry physical cards and documents.
The steady expansion has turned Wallet from a simple payment app into a broader digital hub. While Siri AI and Apple Intelligence stole much of the spotlight at WWDC 2026, Apple Wallet quietly received its most substantial upgrade yet with iOS 27.
More importantly, iOS 27 feels like the moment those individual additions start coming together as a cohesive platform rather than a collection of separate features living inside the same app.
There’s a lot of ground to cover, so without further ado, here’s everything new coming to Apple Wallet with iOS 27 later this year.
Ditch your physical loyalty cards
If you’re tired of carrying a stack of cards you never use because you forgot they exist, Apple Wallet has something for you.
With iOS 27, you’ll be able to point your iPhone (with the Siri mode in the Camera app) at 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 shows up as a scannable barcode or QR code in the app, ready to go either from your iPhone or Apple Watch. If you’ve been carrying your gym card or library card around for years out of pure habit, iOS 27 will finally give you a reason to clear out your wallet for good.
Digital Passes get a major glow-up
With iOS 26, boarding passes in Apple Wallet got a richer redesign with more visuals and integrated travel information. With iOS 27, Apple is extending that same treatment to a variety of digital cards, including loyalty cards, rewards cards, membership cards, and gift cards.
Passes will gain vibrant background art, custom branding, and information tiles that surface useful context, such as loyalty point balances, event details, and membership perks, right where you’d expect to find them.
What’s even more interesting is that Apple is leaning into real-time updates for these passes, and Disney World is first in line. Later this year, Apple Wallet will automatically surface your Disney World ticket as you approach the park’s gates.
Smarter hotel keys that double as a concierge
Digital hotel keys aren’t new, but iOS 27 gives them a meaningful upgrade.
Beyond unlocking your room, the new key experience will surface your entire trip details, updates about the activities you’ve booked, and provide access to other amenities and services, all from the same pass, the digital hotel key, in the Apple Wallet app.
Basically, the app will turn your room key into a mini concierge service that lives in your phone. The catch, however, is that it’s up to hotels to enable the feature for their digital room keys, so don’t expect it to arrive everywhere on day one.
Splitting the bill just got a whole lot easier
This might be the most useful addition for anyone who’s ever sat at a restaurant table, doing math on 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, let you assign items to different people (if you’re going Dutch), and calculate everyone’s share, including tax and tip. From there, it lets you send Apple Cash requests, directly from within the app.
You can use the feature in Apple Wallet, Messages, or straight from the Camera app. It’s U.S. only at launch, which is good news for us, and needs an Apple Intelligence-compatible iPhone.
So, if you’ve ever been the designated bill-splitter for a group of six, this particular feature is going to be a lifesaver.
A redesigned Apple Pay checkout
Apple Pay is also getting a checkout redesign that fixes a longstanding annoyance, something that I’ve also covered as a separate news story.
Right now, tapping a card on the payment sheet opens the address settings instead of intuitively switching cards. However, with iOS 27, you should be able to swipe between cards on the same screen.
The checkout interface will also show useful information like rewards balances, account balances, and pay-later options, before you commit to one payment option.
Topping up cards without leaving the app
Later this year, Apple Pay will let you add funds to debit and prepaid cards, the eligible ones, either from within Wallet or during checkout. It’s a small addition, but if you’ve ever had a prepaid card decline at checkout, you’ll get why this is a welcome fix.
Tap to Share: a faster way to check out in stores
Apple Wallet’s Tap to Pay already lets merchants accept payments using an iPhone, but Tap to Share takes things further. By tapping your iPhone to a participating merchant’s iPhone or supported payment systems, you can securely share details like your shipping address, email, or loyalty information, the kind that usually means standing at the register and saying everything out loud.
You’ll also be able to watch your final basket update, in real time, as the cashier scans the items, then pay right on your phone. This requires an iPhone 12 or later running iOS 27, though, something to keep in mind.
More barcodes, more countries
Wallet passes now support four more barcode formats: EAN-13, Code 39, Codabar, and ITF. These are still used at places with relatively older retail systems, ones that haven’t caught up to QR codes yet.
Better Wallet integration in Smart Stacks on Apple Watch
On compatible Apple Watch models, watchOS 27 surfaces pinned passes, keys, tickets, and transit cards more proactively, 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 wrist-raise away when you need it.
A new app for businesses: Pass Designer
On the developer side, Apple introduced a new Mac app currently in beta with macOS 27: Pass Designer. It lets businesses build, customize, and preview the new Enhanced Passes.