iOS 27 significantly expands Apple Wallet, turning it into a more comprehensive digital hub. New features include the ability to digitize physical loyalty and membership cards, richer and more interactive passes with real-time updates, smarter hotel keys that provide trip and amenity information, AI-powered receipt scanning for splitting bills, a redesigned Apple Pay checkout experience, and Tap to Share for exchanging payment and loyalty details with merchants. The update also adds support for more barcode formats, lets users top up eligible cards directly from Wallet, and improves Wallet integration on Apple Watch by proactively surfacing relevant passes, tickets, keys, and transit cards based on time and location.