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To split a restaurant bill with Apple Wallet in iOS 27, open the receipt through Wallet, Messages, Camera, or Photos, choose Split Bill, select the items you owe for, adjust shared dishes, then send or request your share with Apple Cash. Apple says the calculation includes your share of tax and tip.
What Apple Wallet’s Split Bill feature does
Apple’s iOS 27 feature reads a paper receipt or receipt image and uses Apple Cash to help diners settle up. It is a reimbursement or payment request between people—not a way to divide the restaurant’s original card charge at the point of sale. Apple distinguishes Apple Cash, which sends and receives money, from Apple Pay, which is used to spend money. Apple Support’s Apple Cash overview explains that distinction.
You can assign specific items to yourself, account for shared dishes, add a tip, and then send a payment or request money. Apple says the calculated amount includes your share of tax and tip.
The Tool Desk
Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →How to split the bill
Start from Messages
- Open the conversation with the diner or group.
- Tap the plus button, choose Apple Cash, then tap Split Bill.
Start from Wallet
- Open Wallet and tap your Apple Cash card.
- Tap Send or Request, select a person, then tap Split Bill.
Start from a receipt image
You can also launch the action from Camera, choose a receipt image in Photos, or use a screenshot containing a receipt. Apple Support says Camera’s Siri control or Camera Control can also surface Split Bill with Apple Cash.
#1 Best Overall
- This phone is unlocked and compatible with any carrier of choice on GSM and CDMA networks (e.g. AT&T, T-Mobile, Sprint, Verizon, US Cellular, Cricket, Metro, Tracfone, Mint Mobile, etc.).
- Please check with your carrier to verify compatibility.
- When you receive the phone, insert a SIM card from a compatible carrier. Then, turn it on, connect to Wi-Fi, and follow the on screen prompts to activate service.
- The device does not come with headphones or a SIM card. It does include a generic (Mfi certified) charger and charging cable.
- Tested for battery health and guaranteed to have a minimum battery capacity of 80%.
Select items and settle up
- Capture the receipt or select its image. Choose the conversation or people involved; you can add people to the conversation.
- Select the items you owe for. For a shared item, use the minus control to divide its cost among multiple people; use the plus control to increase the quantity.
- Add a tip if needed, then review the amount. Apple says the calculation includes your share of tax and tip.
- Choose whether to send your share or request payment. Confirm the payment with your device’s side button and Face ID, Touch ID, or passcode.
In a group message, a recipient can choose whom to pay.
How to track requests
Open the Apple Cash card in Wallet and tap Requests to see who has paid and how much has been received. Requests stay open for up to 30 days unless they are paid or marked complete sooner.
Rank #2
- This phone is unlocked and compatible with any carrier of choice on GSM and CDMA networks (e.g. AT&T, T-Mobile, Sprint, Verizon, US Cellular, Cricket, Metro, Tracfone, Mint Mobile, etc.).
- Please check with your carrier to verify compatibility.
- When you receive the phone, insert a SIM card from a compatible carrier. Then, turn it on, connect to Wi-Fi, and follow the on screen prompts to activate service.
- The device does not come with headphones or a SIM card. It does include a generic (Mfi certified) charger and charging cable.
What you need—and where it works
- Receipt scanning requires Apple Intelligence and Siri enabled, Apple Cash set up, and an eligible Apple device running the latest software. Apple’s support instructions reviewed here do not list specific compatible iPhone models, so check Apple’s current compatibility guidance for your device.
- Apple Cash person-to-person service is available in the 50 U.S. states, the District of Columbia, and Puerto Rico. In general, users must be at least 18 and U.S. residents. Apple describes a Family setup for users under 18, with some feature limitations.
- Apple says Apple Cash is provided by Green Dot Bank, Member FDIC, and that Apple Payments Services LLC acts as a service provider; Apple Inc. and Apple Payments Services LLC are not banks.
If receipt scanning is unavailable, you can still send or request a specific amount through Messages using Apple Cash. That fallback settles money between diners but does not assign receipt items.
Quick Recap
Best Value
- This phone is unlocked and compatible with any carrier of choice on GSM and CDMA networks (e.g. AT&T, T-Mobile, Sprint, Verizon, US Cellular, Cricket, Metro, Tracfone, Mint Mobile, etc.).
- Please check with your carrier to verify compatibility.
- When you receive the phone, insert a SIM card from a compatible carrier. Then, turn it on, connect to Wi-Fi, and follow the on screen prompts to activate service.
- The device does not come with headphones or a SIM card. It does include a generic (Mfi certified) charger and charging cable.
Rank #4
- This phone is unlocked and compatible with any carrier of choice on GSM and CDMA networks (e.g. AT&T, T-Mobile, Sprint, Verizon, US Cellular, Cricket, Metro, Tracfone, Mint Mobile, etc.).
- Please check with your carrier to verify compatibility.
- When you receive the phone, insert a SIM card from a compatible carrier. Then, turn it on, connect to Wi-Fi, and follow the on screen prompts to activate service.
- The device does not come with headphones or a SIM card. It does include a generic (Mfi certified) charger and charging cable.
- Tested for battery health and guaranteed to have a minimum battery capacity of 80%.
Rank #3
- This phone is unlocked and compatible with any carrier of choice on GSM and CDMA networks (e.g. AT&T, T-Mobile, Sprint, Verizon, US Cellular, Cricket, Metro, Tracfone, Mint Mobile, etc.).
- Please check with your carrier to verify compatibility.
- When you receive the phone, insert a SIM card from a compatible carrier. Then, turn it on, connect to Wi-Fi, and follow the on screen prompts to activate service.
- The device does not come with headphones or a SIM card. It does include a generic (Mfi certified) charger and charging cable.
- Tested for battery health and guaranteed to have a minimum battery capacity of 80%.
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