Among the many features Apple announced for iOS 27, one Wallet app upgrade barely received any attention during the WWDC 2026 keynote. Yet it could fundamentally change how people use Apple Wallet every day.
Apple’s goal is simple: transform Wallet from a place that stores payment cards, boarding passes, and supported tickets into a much more flexible digital hub.
With the help of Apple Intelligence, Wallet can now accommodate virtually any type of pass or credential, even when there is no official integration available.
You can now create your own passes
The biggest addition is a new feature called Create a Pass.
Starting with iOS 27, users will see a new option when tapping the add button inside Apple Wallet, allowing them to create custom passes directly from the app.
There are two ways to do it.
The first uses the iPhone’s camera. Through Apple’s visual intelligence technology, the system can analyze physical cards, tickets, memberships, credentials, and other documents. After identifying the relevant information, Wallet can generate a digital version automatically.
The second method is completely manual.
Users can enter information themselves and choose from several categories, including loyalty cards, event tickets, memberships, and generic passes.
In practical terms, that means many cards, memberships, and tickets that currently live in a physical wallet or scattered across multiple apps can now be organized in one place.
Splitting restaurant bills becomes easier
Another new feature combines Apple Wallet, the iPhone camera, and Apple Intelligence.
For example, when users take a photo of a restaurant receipt, the system can automatically identify the total amount and offer options to split the bill among multiple people.
The feature can even generate payment requests automatically, making it easier to settle shared expenses with friends and family.
Apple’s demonstration showed a streamlined experience that eliminates the need for manual calculations or third-party bill-splitting apps.
Some features may remain U.S.-only
There is, however, an important limitation.
The bill-splitting feature relies on integration with Apple Cash, Apple’s peer-to-peer payment service currently available only in the United States.
As a result, some of the most advanced payment-sharing features may not be available in every country when iOS 27 launches.
Even so, the feature highlights Apple’s broader strategy of combining artificial intelligence with financial services to create more useful everyday experiences.
A step toward a universal digital wallet
While Wallet did not receive the same attention as Siri or Apple Intelligence during WWDC 2026, these additions reveal a clear long-term vision.
Apple wants Wallet to become a truly universal digital wallet capable of storing not only payment cards, but also tickets, memberships, credentials, passes, identification documents, and many other types of digital items.
If the concept works as intended, many users may finally be able to leave even more physical cards at home and keep everything organized on their iPhone.
It may not be as flashy as some of Apple’s biggest AI announcements, but it has the potential to make Wallet significantly more useful for millions of people.
