iOS 27 Wallet Adds Apple Cash Bill Splitting With Camera and Apple Intelligence

The feature is available in Messages, in Apple Wallet, and through Visual Intelligence onscreen and with the iPhone camera, the report said. In the Camera app's new Siri mode, pointing an iPhone at a receipt can surface the relevant action to split a bill with Apple Cash and identify the items on the receipt. As users select their items, their total payment is calculated, including their share of tax and tip, so they can pay back exactly what they owe with Apple Cash.

According to 9to5Mac, the process is designed to be simple. A user points the iPhone camera at a receipt, or chooses an existing receipt photo, and Apple Intelligence identifies each item so the user can mark what is theirs. A tip can be added without manual math because iOS 27 calculates common amounts such as 18 percent and 20 percent automatically.

The 9to5Mac writer said testing showed bill splitting to be an excellent addition to iOS 27 with a user-friendly experience. The writer highlighted that it works from the standard Camera app in Siri mode, through the Messages app, and directly in Wallet. The main drawback cited was that if the user or their friends have not set up Apple Cash, that adds an extra step and slows the process down. Once Apple Cash is set up, the writer described bill splitting as a great addition that could gain popularity because the experience is seamless.

Apple Cash has been part of iOS for years, and the 9to5Mac writer said they use it occasionally with a select few people. Third-party services such as Venmo and Zelle still tend to be preferred by most people the writer knows for sending money. In iOS 27, the new Apple Wallet bill-splitting feature could make Apple Cash far more popular, according to the report.

The report did not provide a separate Apple announcement or independent confirmation of the feature. It described the bill-splitting option as part of iOS 27 and said Apple provided the details of how it works.

Editor's Summary

Apple's iOS 27 Wallet app gains a bill-splitting feature that combines Apple Cash with Apple Intelligence to scan receipts and calculate individual shares, according to 9to5Mac. The tool works across Camera, Messages, Wallet, and Visual Intelligence, potentially making Apple Cash more competitive with services such as Venmo and Zelle. A key limitation is that all participants still need Apple Cash set up.