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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

Apple Wallet

65
User verdict / 100 High confidence Divided

Apple Wallet is widely praised for its convenience and security in managing payments and passes, but recent user reviews highlight significant issues with identity verification, transaction transparency, and customer support for disputed charges.

4.8★ lifetime (7,242,860) Free to download since 2019 by Apple Inc. updated 7.0 mo ago recent negative 30% 120 reviews across 4 regions
Payment & Transactions Customer Support & Resolution Identity & Account Access Functionality & Features Notifications & Tracking
5★583
4★63
3★54
2★45
1★255
recent reviews across 4 regions, vs the 4.8★ lifetime average

Apple Wallet generally receives high praise for its ease of use and ability to consolidate payment methods and passes, making daily transactions more efficient. However, a notable portion of recent reviews indicates frustration with identity verification processes, unexplained charges, and difficulties in resolving payment disputes or accessing older transaction history.

What users like

  • Highly convenient for quick and easy paymentsR6R10R11R27
  • Provides useful notifications for purchases and deliveries, including tracking informationR2R16R25R32
  • Secure platform for managing various cards and passesR33R63
  • Allows adding gift cards, debit cards, credit cards, and some insurance cardsR30

What users complain about

  • Users frequently report issues with identity verification, preventing access to funds or featuresR1R51R93R108
  • Concerns about unauthorized charges, money disappearing, and difficulty tracking payment detailsR3R7R36R37
  • Poor customer service and difficulty resolving issues like stolen funds, overcharges, or refundsR55R60R80R96
  • Limited functionality, such as inability to budget, view older transactions, or add certain loyalty/transit cards in some regionsR39R198R243R508
  • Problems with adding or deleting cards, including gift cards and transit cardsR5R573R590R295
  • Issues with receiving Apple Pay funds or withdrawing money, often due to errors or restrictionsR8R29R88
  • Inaccurate transaction amounts or delivery tracking information displayed in the appR155R733
  • Lack of a dedicated app icon for direct access, requiring alternative methods to openR40

Latest update · v1.6

What the developer says changed (the verdict above weighs this against what reviewers report):

Bug Fixes and Feature Enhancements

Recurring themes

Payment & Transactions mixed
Many users appreciate the convenience of making quick payments and tracking purchases. However, a significant number report issues with unauthorized charges, money disappearing, and difficulty understanding transaction details. Some also experience problems receiving or withdrawing funds.R3R7R8R29
Identity & Account Access negative
A recurring problem is the inability to verify identity, which prevents users from accessing Apple Cash or other features. Some accounts are locked or restricted without clear reasons, leading to frustration.R1R24R50R51
Customer Support & Resolution negative
Reviewers frequently criticize the lack of effective customer service for resolving issues like stolen funds, overcharges, or declined transactions. Many report long wait times, unhelpful responses, or no resolution at all.R55R60R80R96
Functionality & Features mixed
While the app is praised for keeping everything in one place, users desire more features like budgeting tools, the ability to view older transactions, or support for specific loyalty and transit cards in their regions. Issues with adding or deleting cards are also noted.R5R30R39R47
Notifications & Tracking positive
Users appreciate the timely notifications for purchases, order status, and delivery tracking. This feature helps them stay informed about their transactions and deliveries.R2R16R25R32

Who it's for

Apple Wallet is for iPhone users who want a convenient and secure way to manage digital payments, store cards, and receive purchase notifications R11R33R35. It's particularly useful for those who frequently make mobile payments and appreciate a centralized digital wallet . It is not for users who prioritize detailed budgeting features within their payment app, require extensive transaction history, or frequently encounter issues needing robust customer support R39R55R80.

Evidence note: The recent reviews skew negative, which contrasts with the high lifetime rating. Many positive reviews are short and general, while negative reviews provide specific complaints. The developer's notes about 'Bug Fixes and Feature Enhancements' are too vague to directly compare against current user complaints, but issues like crashes and identity verification persist, suggesting these areas may not have been fully addressed.

Frequently asked

Can I use Apple Wallet to track my orders and deliveries?
Yes, Apple Wallet provides notifications for orders, including when they are shipped and tracking numbers, making it easier to monitor deliveries R2R25R35.
Does Apple Wallet allow me to see all my past transactions?
No, many users report that Apple Wallet only shows the last 10 transactions, with no option to view older activity, which limits financial management R508.
Can I add loyalty cards and transit cards to Apple Wallet?
While some users can add gift and debit/credit cards, the ability to add loyalty and transit cards (like Compass or Presto cards) is limited or unavailable in certain regions, such as Canada R30R607R609R667.
What should I do if I see unauthorized charges or money missing from my Apple Wallet?
Users report significant difficulty resolving issues like unauthorized charges, missing funds, or overcharges, often citing poor customer service and a lack of clear contact options R7R60R80R96.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R6] 5/5 · US Me encanta: Muy práctico para hacer mis pagos rápidos y muy cómodo me encanta este método de pago felicitaciones.
  2. [R10] 5/5 · US Convenience: Always there for you
  3. [R11] 5/5 · US Apple wallet: Keeps everything in place makes purchases easier
  4. [R27] 5/5 · US Convenient: Easy way to pay
  5. [R2] 5/5 · US Love it!: Apple Wallet makes life easier. I love the notifications when purchases are delivered.
  6. [R16] 5/5 · US Muy buena me encanta me avisan todo ,cuando ordeno algo me ayuda a estar alerta .: 🥰🥰🥰🥰
  7. [R25] 5/5 · US Tracking: Paying with Apple Pay allowed me to track my package easily
  8. [R32] 5/5 · US Apple wallet: Like the notification alert
  9. [R33] 5/5 · US Fantastic: I really enjoy my Apple Wallet. It is the single most important App I use everyday. For personal security, I can leave my lesser daily essential credit and gifts cards home and access my spending accounts using my iPhone.
  10. [R63] 5/5 · US Best Wallet!: Apple wallet is definitely a 100% safe & secure to use. 100/100!!!
  11. [R30] 4/5 · US It’s all good except one thing: Well, this with Mary if I was in a different state and the wallet works tremendously well I’m able to add gift cards. I’m able to add regular debit cards and credit cards and able to add my insurance card but the one thing I need and would like to be able to add that I’m not able to is my Idaho drivers license. If you gave me that ability would be perfect in operati
  12. [R1] 1/5 · US Problem: Doesn’t let me verify my identity
  13. [R51] 1/5 · US won’t let me verify identity: it won’t let me accept apple cash
  14. [R93] 1/5 · US Deplorable service: I got restricted for nothing and i cant get my account back
  15. [R108] 1/5 · US Taking my money: You guys are saying I have to verify my identity and I can’t get my money from my family
  16. [R3] 2/5 · US Payment: No where is it listed payment due with Amount.
  17. [R7] 1/5 · US Stop stealing my money apple: They keep stealing money from me is me paying my phone not enough?
  18. [R36] 1/5 · US Stolen funds: Keep depleting my funds
  19. [R37] 3/5 · US Chilupa: Do not like the fact that once u buy something the merchant can keep purchasing w/out consent
  20. [R55] 1/5 · US I hate this: It’s not user-friendly I can never find the balance things change. I can’t find my balance. Customer service is a waste of time. I will never use this again.
  21. [R60] 1/5 · US Money retention: First time I used the app and they withheld my money in the amount of 972.19 when I wanted to transfer it to my bank account, they withheld it and when I called customer service, they said they would take 10 days to return it but they haven't returned anything. I need that money for something important. I want my money now. Very bad app, bad experience, I don't recommend it.
  22. [R80] 1/5 · US Apple has scammed me out of $500 and will not help me get it back. This has been ongoing since 2024: Worst customer service I have ever experienced this billion dollar company has fraud me out of 500 little bitty dollars to them and the audacity to want to charge me five more dollars for them to help fix but they have neglected to handle since 2024 worst phone company ever would not recommend them
  23. [R96] 1/5 · US Fraud on account no one to contact!: I have someone making charges on my account and there is no place to call or any place to contact someone to stop it…no customer service!
  24. [R39] 3/5 · US Apple app: Great app love how i can see all my cards but cant do anything on it since the app is so limited to a few things, dont like how you cant budget and how cashapp is better tbh but it's Okay
  25. [R198] 3/5 · US Limits: Only allows ticket and financial cards?
  26. [R243] 3/5 · US Ok: Would love more functionality and features (
  27. [R508] 3/5 · CA I wish older transactions could be viewed: Only last 10 transactions can be seen. I atleast a couple months were visible!
  28. [R5] 2/5 · US Amazon: Can no longer delete from wallet
  29. [R573] 3/5 · CA Delete Card: How do you delete a card?
  30. [R590] 3/5 · CA Idk how to use: It’s not letting me add a card. That’s the only problem with it so far plz help
  31. [R295] 3/5 · GB One4all card will not load up for use: The card number expiry date and CVV number will not load the card the wallet won’t allow the upload of the card - there’s no option to scan this in
  32. [R8] 1/5 · US Not working: Try to withdraw money on numerous occasion and it keeps saying error
  33. [R29] 1/5 · US Apple Pay: For some reason I can not receive Apple Pay from clients
  34. [R88] 1/5 · US Apple wallet: My apple wallet won't let me send money to people I can only spend my balance and it won't give me a solution plz help !!!!!!
  35. [R155] 3/5 · US Arrival Date: Is not the same as “arrived at the delivery center” Ari iced 2 days later than YHE arrived date.
  36. [R733] 3/5 · CA Causes undue stress: It would regret if it actually reported the correct amounts paid. Maybe it’s a glitch. Maybe it’s not but this particular app is notifications almost caused me to go ballistic on the oil shop because it showed that I was charged $282 for something that only cost 193 only to check my bank account to find out that they did not overcharge me and for some reason this app is provid
  37. [R40] 3/5 · US Phone Icon?: I’d like an icon to tap. That’s how I access every other app, after all. Sometimes tech is so convenient that it’s not convenient at all.
  38. [R24] 1/5 · US Social Security and Date of Birth: Wires, Apple Cash, asking for my Social Security number, and date of birth just to receive money
  39. [R50] 1/5 · US Locked my account for no reason: Ho
  40. [R47] 4/5 · US Great when it works: I love when I can collect boarding passes and returns to scan. The issue is that sometimes it doesn’t work. For Amazon in particular I had to split between the “old” way of pulling the Amazon app and the new way of opening the wallet with just a few cards.
  41. [R35] 5/5 · US Awesome Notifications: Alerts you when the vendor receives your order and notifies you when it’s shipped and they provide you the tracking number
  42. [R607] 3/5 · CA request: plz add compass card
  43. [R609] 3/5 · CA Add the Loyalty card option in Canada: Really like this app except that I don’t understand why, in Canada, we do not have the options to Add Loyalty cards? For example, our neighbour country (USA) and many other countries as well have this option?
  44. [R667] 3/5 · CA Please support compass cards: Doesn't support Canada transit compass cards, if it supports it then it would be a five-star

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store