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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Apple Wallet

80
Value score / 100 Worth paying? No Skip it

Apple Wallet is a highly convenient and secure app for managing payments and passes, despite some user complaints about functionality and customer service.

Free to download seen up to $300 4.8★ lifetime (7,242,860) since 2019

Apple Wallet is praised for its convenience in making quick payments and keeping cards organized, with many users appreciating the security and notification features R4R8R13R35. However, some users report issues with unauthorized charges, difficulty adding certain cards, and a lack of advanced budgeting or loyalty card features R2R9. The app itself is free, but users experience various issues related to transactions and account management.

Free vs paid

Apple Wallet is a free app, and all its core functionalities, such as adding debit, credit, and gift cards, and making payments, are available without any in-app purchases R32R35. The pricing points mentioned in the product page (e.g., $1, $3, $100) are likely related to transactions or services facilitated through the wallet, rather than direct app purchases, as the product page explicitly states 'in-app purchases=False'. Users report issues with unexpected charges or money being withheld, which are not tied to a 'paid tier' of the app but rather problems with transactions or Apple Cash R2R9R38R62.

Value complaints

  • Users report unauthorized or random charges to their cards after attempting to add them to Apple Pay or using the wallet.R2R9R85R86
  • Some users claim money is stolen, depleted, or withheld from their accounts, with difficulties in getting it back or resolving disputes.R38R62R82R104
  • There are complaints about hidden fees or charges that are not clearly explained.R67R68
  • Users report issues with incorrect transaction amounts being displayed in the app, causing confusion and stress.R733

Where it delivers

  • The app is highly convenient for making quick payments and keeping various cards and passes in one place.R8R12R13R59
  • Users appreciate the security features, feeling it's a safe way to manage payments and avoid carrying physical cards.R35R65
  • Many find the notification system useful for tracking purchases, deliveries, and order status.R4R18R34R37
  • It's considered a fundamental and essential app for daily use by many, simplifying transactions.R25R30R35
Worth paying if

N/A, as the app itself is free and does not have a paid tier.

Skip / stay free if

You should skip using Apple Wallet for transactions if you have experienced issues with unauthorized charges, money being withheld, or difficulty verifying your identity, as these are recurring complaints from some users R2R3R9R62. Also, if you need advanced budgeting features or the ability to add specific loyalty cards not currently supported, you might find the app limited R609R667.

Evidence note: The reviews show a strong dichotomy between high praise for convenience and severe complaints about financial issues and lack of support. The lifetime rating is very high, suggesting that while a vocal minority experiences significant problems, the majority finds the app valuable. Many negative reviews appear to be related to specific transactions or issues with Apple Cash/Card rather than the core wallet functionality itself.

Frequently asked

Is Apple Wallet free to use?
Yes, Apple Wallet is a free app and all its core features, such as adding cards and making payments, are available without any in-app purchases R32R35.
Can I add loyalty cards to Apple Wallet?
While some users appreciate the ability to add gift cards and passes, there are complaints from users in certain regions, like Canada, that the option to add loyalty cards is missing R32R609R667.
Does Apple Wallet provide transaction tracking?
Yes, Apple Wallet provides notifications and tracking for purchases and deliveries, with some users praising its ability to keep them informed about order status and tracking numbers R4R27R37R44. However, some users report inconsistencies in transaction visibility and difficulty accessing older transactions .
What are common issues with Apple Wallet?
Common issues include unauthorized charges, money being withheld, difficulty verifying identity, inability to add certain cards (like some transit or gift cards), and a lack of customer service for resolving financial disputes R2R3R9R62.

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. [R2] 1/5 · US Apple Rip OFF: Every time I try to add Apple Pay to my wallet Apple starts charging my card random amounts with no info I never allowed
  2. [R9] 1/5 · US Stop stealing my money apple: They keep stealing money from me is me paying my phone not enough?
  3. [R85] 1/5 · US Stupid: Idk why I keep getting random “apple bill” charges
  4. [R86] 1/5 · US Terrible: I keep getting random alert, saying I bought something when I have not so when I say this is terrible because I have the funds to pay it off, but then I have to remove my card then add my card and I tried it, but I owe money it won’t let me and I don’t want a new phone. I like the phone that I have.
  5. [R38] 1/5 · US Stolen funds: Keep depleting my funds
  6. [R62] 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.
  7. [R82] 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
  8. [R104] 1/5 · US Apple Card Fraudulent Charge Dispute Process is Abysmal: I got an Apple Card in part for the added security features, but when those features failed and a credit card skimmer got me at the gas pump I was left out in the rain. I’ve tried twice now to dispute the charges made with my stolen card number, each time customer support has been vague, deliberately judging by the way they dodged my questio
  9. [R67] 1/5 · US Deceptive: Difficult to parcel information. Hidden fees masked by “cash back” notices.
  10. [R68] 1/5 · US When do payments clear and why are there charges on my card when I paid it off?: It’s been more than 10 days since I have made payments on my card and paid it off and there are charges on it right now that I have no idea where they came from and I don’t know how to look it up. A little help would be appreciated.
  11. [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
  12. [R8] 5/5 · US Me encanta: Muy práctico para hacer mis pagos rápidos y muy cómodo me encanta este método de pago felicitaciones.
  13. [R12] 5/5 · US Convenience: Always there for you
  14. [R13] 5/5 · US Apple wallet: Keeps everything in place makes purchases easier
  15. [R59] 5/5 · US Go Wallet!: I enjoy having everything in one place .
  16. [R35] 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.
  17. [R65] 5/5 · US Best Wallet!: Apple wallet is definitely a 100% safe & secure to use. 100/100!!!
  18. [R4] 5/5 · US Love it!: Apple Wallet makes life easier. I love the notifications when purchases are delivered.
  19. [R18] 5/5 · US Muy buena me encanta me avisan todo ,cuando ordeno algo me ayuda a estar alerta .: 🥰🥰🥰🥰
  20. [R34] 5/5 · US Apple wallet: Like the notification alert
  21. [R37] 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
  22. [R25] 5/5 · US Fundamental app for me: Great. Does everything I need.
  23. [R30] 5/5 · US A Happy Apple Wallet Swiper in Kansas City!: NOTHING better & more convenient!!!😁😆
  24. [R32] 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
  25. [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?
  26. [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
  27. [R27] 5/5 · US Tracking: Paying with Apple Pay allowed me to track my package easily
  28. [R44] 5/5 · US Love it: I love how the app notified me about the order, right on time
  29. [R3] 1/5 · US Problem: Doesn’t let me verify my identity

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