Apple (Hacker News):

Apple today announced Apple Upgrade, a new product leasing program provided by Klarna for iPhone, Apple Watch, Mac, and iPad available on the Apple Store online, in the Apple Store app, and at Apple Store locations in the United States.

[…]

Apple Upgrade offers 12- and 24-month leasing options for iPhone and Apple Watch, and 24- and 36-month leasing options for Mac and iPad. Leasing prices start as low as $17.99 per month for iPhone, $11.99 for Apple Watch, $24.99 for Mac, and $11.99 for iPad.

The $17.99/month gets you a base model iPhone 17e for 24 months. This is a total of $431.76 vs. $599 for buying a new one today, but then you have to make a decision:

At the end of the lease term, customers can upgrade their device to the latest generation, purchase it with a one-time payment, or simply return it and exit the program.

I used to get a new phone every other year, but I kept my iPhone 12 mini for three years and will likely keep my 15 Pro for four years. In addition to making it easier to buy phones without the up-front payment, Apple is probably hoping this will encourage more customers to get back on the two-year cycle. Given the choice between continuing a small monthly payment and getting a new phone or making a larger payment to keep their old phone, many may opt to upgrade.

Juli Clover:

The payoff amount is the difference between what was paid during the leasing period and the retail price of the device, minus any remaining trade-in credits. Klarna is not charging a fee for the leasing program, so an iPhone that’s $1,099 can be leased and then purchased for $1,099 with no extra cost beyond taxes.

I guess this means that, for a bit of hassle, you can essentially buy the device for the list price at 0% interest.

Lease participants can opt to end a lease early and return a device, but Apple says there may be “substantial fees” for terminating a lease before the end of the term.

[…]

Customers must upgrade, end the lease, or purchase the device at the end of the lease term. If that doesn’t happen, the lease converts to a month-to-month lease for up to six months.

[…]

Damage to an iPhone, losing an iPhone, or having an iPhone stolen could incur fees.

Aisha Malik:

The rollout of the program comes as Apple has been struggling with supply chain issues related to “RAMageddon,” which refers to the industry-wide shortage of memory chips that is driving up the price of hardware. As a result, Apple recently announced price hikes for its Mac and iPad lineups, sparing the iPhone for now. The new Upgrade program seems to be Apple’s answer to making those higher prices more manageable for consumers.

Customers can manage their lease directly in the Klarna app, where they can view their billing schedule and track remaining payments.

With the launch of the new Upgrade program, Apple is discontinuing its existing in-house financing and installment programs in the U.S., which include the iPhone Upgrade Program and iPhone Payments.

John Voorhees:

For iPhones, you have to have a carrier and can’t use a prepaid plan.

[…]

For iPads, the starting prices range from $12.99/month to $24.99/month, Macs range from starting prices of $24.99/month to $48.99/month, and the Apple Watch ranges from starting prices of $11.99/month to $47.03/month. But again, these are just starting prices. You can configure a fully loaded 16-inch MacBook Pro that is just under $230/month, and it won’t include AppleCare.

As a point of comparison, under the current program that is being discontinued, I pay $69.50/month for an iPhone 17 Pro Max, but I have a 512GB model, so my lease price for the same phone would be $40.83/month, significantly lower, but keep in mind that doesn’t include AppleCare+, which would add $13.99/month or $139/year for that iPhone. On a monthly basis, that puts a new iPhone 17 Pro Max with 512GB of storage and AppleCare+ at just under $55/month. Still a superior deal, but not nearly as good as the landing page might initially lead you to believe.

[…]

If you lease accessories for your device, those don’t have to be returned. Why? Presumably because they have no value to Apple or Klarna.

Marcus Mendes:

9to5Mac can now confirm that code found in the iOS 27 beta appears to reveal a broader system for managing a financed iPhone, including the ability to restrict apps and services when payments are missed.

The code describes a system called App Managed Features, which allows an authorized financing or provider app to enroll an iPhone and perform ongoing status checks.

If the contract is no longer in good standing, Apple’s system services can place the iPhone in “Restricted Mode,” which blocks access to most apps until the payment or contract issue is resolved, while keeping a small set of apps available.

I bet there are some governments that would love to commandeer that for their own purposes.

Finally, the new framework also introduces a new type of activation lock called “Partner Finance Lock,” which is meant to prevent users from erasing, reselling, or stripping a restricted device for parts.

Previously:

• Apple Hardware Price Hikes
• Mac Upgrade Program
• AppleCare One
• Getting a New iPhone

Update (2026-07-29): Emma Roth:

Apple says it won’t limit the capabilities of devices leased through its new Upgrade program if you miss a payment. In an emailed statement to The Verge, Apple spokesperson Brian Bumbery says, “There will be no restricted mode and/or there will be no limitations put on device functionality due to missed payments or default with the Apple Upgrade program.”

So then what is the code that 9to5Mac found for?

Marcus Mendes:

One possibility is that it was developed for financing programs offered by carriers, retailers, or other partners outside Apple Upgrade, potentially including markets where device restrictions are already used to enforce installment agreements.

See also: Mac Power Users, TidBITS, MacRumors, Slashdot.

Update (2026-07-30): Ryan Christoffel:

Here’s what every eligible product costs with Apple Upgrade.

Emma Roth:

Here’s a breakdown of how much you’d pay for the devices included in the Apple Upgrade program, as well as how much more you’d pay to purchase the devices outright at the end of your lease[…]

[…]

Klarna doesn’t say what will happen if you don’t pay the outstanding balance.

[…]

During the lease, Klarna owns your device. You’re responsible for any damage, and will get charged a fee if you don’t return the device in “good condition.” That’s why Apple is encouraging customers to sign up for an AppleCare subscription that could drive up the cost of your lease even more.

[…]

Apple also notes that you’ll have to pay an early termination fee if you want to return the device before your lease ends or if you want to upgrade early.

Eyes:

If you lose the leased phone you have to pay Klarna for the phone plus early lease cancellation fees.

D. Griffin Jones:

The Apple Card Monthly Installments aren’t going away, so I’ll keep using that.

[…]

When you finance using the Apple Card Monthly Installments, you pay a fixed amount to own your device. There are no savings here — aside from the 3% cashback — the monthly payment is the purchase price divided by either 12 or 24 months.

John Gruber:

When you lease an iPhone through Apple Upgrade, you need a cellular account on one of the big three U.S. carriers: AT&T, T-Mobile, or Verizon. That kind of stinks, and I’m not quite sure I understand why.

Eyes:

The iPhone upgrade program always required it. For a time you could do Apple Card installments without a carrier if you bought it online but never in store. I assume there is carrier pressure to tie the phones to the carriers. Activating iPhones on carriers was a key metric at the Apple Store.

Previously:

• Boom Mobile Restructuring

Update (2026-08-03): John Gruber (Mastodon):

Credit-risk assessment is seemingly part of it. There’s a lot of fraud in iPhone purchases specifically and cell phone service generally. The big three carriers do a significant amount of risk assessment before letting you open a new postpaid account; that you have an active account with one of them is a signal that you’re not trying to lease an iPhone using phony credentials in order to sell it.

But the bigger reason is the complex nature of the contracts between Apple and each of the big three carriers.

Juli Clover (release notes, security, developer):

According to Apple’s release notes, watchOS 26.6 includes unspecified bug fixes and security updates.

Previously:

• watchOS 26.5

Assim como os iPhones e iPads, os Apple Watches também possuem um ajuste que pode minimizar os efeitos de destaque e de luz intermitente nas interações com os elementos presentes na tela.

Batizado de Redução dos efeitos de brilho, o recurso veio para minimizar os efeitos do Liquid Glass, já que muita gente não curtiu os elementos introduzidos com as versões 26 dos sistemas operacionais da Maçã.

Veja como habilitar isso no seu smartwatch! ⌚️

Pelo iPhone

Com o app Watch aberto, toque na aba “Meu Relógio” e selecione “Acessibilidade”.

Em seguida, marque a opção “Redução dos efeitos de brilho”.

Pelo Apple Watch

No relógio, abra os Ajustes (Settings), vá até “Acessibilidade” e marque a opção “Redução dos efeitos de brilho”.

NOTA DE TRANSPARÊNCIA: O MacMagazine recebe uma pequena comissão sobre vendas concluídas por meio de links deste post, mas você, como consumidor, não paga nada mais pelos produtos/serviços usando os nossos links de afiliado.

Last year was a quiet year for watchOS. While Apple took a couple of swings with Workout Buddy, Smart Stack hints, and a redesign of the Workout app, watchOS 26 was a scaled-back release compared to the big changes and upgrades in watchOS 11 the year before.

Of those swings, the excellent redesign of the Workout app felt severely hampered by bizarre scrolling behavior, Smart Stack hints didn’t appear often enough, and I found Workout Buddy to be mildly annoying and limited (though it’s true some users had the opposite view).

Let’s not forget the addition of Liquid Glass, too, a design system that was more like a coat of paint for the Apple Watch than the behavioral change seen on iOS.

Out of everything that was added, the wrist flick gesture was my favorite, and something I continue to use throughout the day. I don’t mean to sound down on last year’s release – there were genuine improvements in several areas – but it just felt more like a small evolution.

This year’s WWDC keynote didn’t feature a dedicated watchOS section (or a dedicated section for any particular OS, for that matter), but that’s not to say there’s nothing to see in watchOS 27. In fact, after several weeks of beta use, I see several intriguing things going on here.

So with that obvious tease out of the way, let’s break down what you can expect from watchOS 27.

Siri AI and Apple Intelligence

The headline feature at this year’s WWDC was Siri AI, and along with every other platform (save for tvOS – yet), watchOS will be gaining access to Apple’s upgraded personal assistant.

I had worried that with the promised launch of an upgraded Siri, the Apple Watch would be forgotten in the rollout or receive a diluted version, so it’s exciting to see that not only is Siri AI included with watchOS 27, but it is almost a like-for-like copy of the iOS version. This is likely due to the way Siri AI on watchOS will essentially bounce queries off a paired iPhone.

Siri AI continues to appear as a slightly amorphous assistant that can be summoned by long-pressing the Digital Crown, uttering the wake phrase, or using Raise to Speak. But now, it is also a dedicated app that lets you continue conversations started on other devices.

Siri AI on watchOS only debuted in the latest developer beta a week ago, so I haven’t had long to fully test it. That said, I have two strong takeaways already: Siri AI shows the potential of becoming something huge for the Apple Watch, but it is, as of now, quite buggy.

Let’s start with the positive: the potential. I’ve long said that the best place for digital personal assistants is on existing items we wear like watches, rings, and glasses. The friction is low, and you’re not adding another device to your daily carry.

Imagine, if you will, being able to raise your wrist, ask a question, and get an instant answer without having to fiddle around getting your iPhone out of your pocket or bag, unlocking it, and then holding the power button or saying Siri’s wake phrase. Who needs that faff? Certainly not me.

That’s why when Siri AI has worked well, it’s been a great experience.

While world knowledge questions are great, it excels more with in-depth queries, like a question about an old message. One good example is a query I had (pictured above) where, while talking to someone, I needed a friend’s website URL to pass along. I knew I’d sent it to my wife, so I asked Siri AI to find it. Based on the context, it searched messages with my wife and found the website, which I read out.

I’ve had several experiences like this. I had Siri AI find what our seat numbers were to see Aziz Ansari. I asked about the weather, with follow-up questions about the UV index and wind speeds, too. Although results can be slow, getting information like this felt like a superpower. The Apple Watch is a very personal device, and these experiences were both personal and useful.

Now for the negative: bugs. Unfortunately, Siri AI in the latest developer beta (and, likely, the first public beta) has a lot of them. To be clear, this is to be expected; it’s called a beta for a reason. But it’s also worth being aware of these issues if you’re thinking of trying out the public beta and expecting a consistently amazing personal assistant.

Queries frequently fail or time out, and Siri AI can often be a little too keen to answer your query, cutting off your question before you’ve finished. These bugs have also, unfortunately, leaked into some standard Siri requests. Setting a timer on the Apple Watch has been impossible for me since the update.

While it’s strange that these bugs are popping up, given that they aren’t issues on iOS, I expect the smaller ones to be fixed by the time Siri AI is released publicly later this year. The big question is whether Apple can bring Siri AI to an adequate level of reliability on the Apple Watch and fulfill its huge potential.

In terms of Apple Intelligence upgrades, there’s a new feature called Call Context. This promises to surface relevant information on your Apple Watch when you are on certain phone calls. For example, if you’re calling an airline, your Apple Watch might show the flight you have booked, or if you’re calling a friend, it might show their upcoming birthday. You get the picture. I’ve yet to encounter Call Context, but it could prove to be a small yet handy feature.

App Navigation and Interface

Apple claims opening speeds for apps across all of its platforms are up to 20% faster. On watchOS specifically, the company says tapping to start a workout and media playback are quicker, too.

I’ve got to admit: whatever Apple has been refining behind the scenes has worked. From the very first beta, apps opened dramatically faster. The same goes for general interactions like screen refreshes and button taps. It’s made the Apple Watch easier and quicker to use, which in turn has made the experience more enjoyable.

Over on the UI side of things, Apple has introduced an extra layer of app icons on top of the classic grid/list view. The dynamic app grid displays five app icons based on context and recent usage, surrounding one fixed icon for Siri AI. You can access the traditional grid or list view by swiping up from this grid, scrolling up with the Digital Crown, or tapping the app grid icon in the bottom of the app grid.

In use, I’ve found this new view a bit frustrating. It usually displays your most recently used app, which can be a waste of an app slot if you don’t frequent it often enough. Plus, I had already deliberately organized my icon grid to make it easy to access my most frequently used apps; this extra step gets in the way of that.

This would all be well and good – as I’m sure some people will like this feature – if it were optional. Frustratingly, it’s now the default behavior, so I’m forced to tap or swipe again to access the apps I like. It’s not the end of the world, but it’s certainly an unnecessary annoyance.

Elsewhere in watchOS, the UI design has been given some nice refinements. Just like on Apple’s other OSes, app icons are sharper and more distinct, and the Liquid Glass design system is much more readable in areas like Notification Center. Unlike on other platforms, the transparency of Liquid Glass cannot be adjusted on watchOS, but the level Apple has settled on is, I think, a decent compromise.

Workouts and Health

The biggest news, for me at least, is that the terrible scrolling behavior in the Workout app that I mentioned at the top of this article is gone. It’s difficult to describe without seeing it for yourself, but I would say it feels more “natural”.

The number of workouts the app scrolls past nicely reflects the amount of velocity you apply to your swipe, and even a dramatic swipe will only get you past a maximum of four workouts on the list. It shouldn’t have been a problem in the first place, but it’s good to see it rectified.

Workout Buddy has received a number of refinements, which will be welcome for users who like very enthusiastic announcements during their workouts. The big news is that Workout Buddy no longer requires a nearby iPhone to work. That’s a win for those who want to go out for a workout with their AI buddy but leave their iPhone at home.

Next, Workout Buddy’s insights are reportedly improved and deliver more detailed feedback. New insights include progress for pace, distance, and workout duration. In testing, I’m not sure I’ve noticed a huge difference, but more data is always welcome when you’re working out.

Finally, Workout Buddy features improved voice delivery that is more natural and less abrupt. Its phrasing now combines multiple achievements into a single statement to provide more consolidated feedback, and it will be available in Spanish as well.

While not available to view on the Apple Watch, if you’re cycle tracking with your iPhone and Apple Watch, Apple Health will warn you if your cycle patterns are suggestive of perimenopause. As is the Apple way, the app will encourage you to track related symptoms, provide resources, and talk with your healthcare professional. It’s good to see Apple continuing to support common but often overlooked areas of health like this, especially ones specific to women.

Lastly, following the through line of performance improvements Apple is targeting across its platforms, step count accuracy and syncing between the iPhone and Apple Watch are fixed, and the accuracy of treadmill distance tracking has improved.

Find My

The Find My app has historically – and bizarrely – been split into three separate apps on watchOS: People, Devices, and Items. I’ve never understood this logic, but watchOS 27 finally consolidates these three tracking streams into one app, just like every other platform.

What’s great to see is that, unlike last year’s Notes app, the new watchOS Find My experience is incredibly close to the one on iOS. You can switch between the three categories using a button in the top-left corner of the screen, scroll through each item or person, and perform all the usual actions you can on other platforms.

These include playing a sound, marking an item as lost, setting up location alerts, and even Precision Finding. The way the watchOS team has translated the full Find My app experience to the wrist is a real triumph of app design.

Smart Stack and Gestures

This is the third watchOS release for the Smart Stack, and it continues to gain enhancements. This year, those come in two forms. First, there is a range of new Smart Stack suggestions, including a close contact’s birthday, parked car location, and transit card balance.

An intriguing addition is a Smart Stack suggestion that will prompt you to change a recurring alarm the night before a holiday. I look forward to the day when my daughter doesn’t wake me up every morning so I can take full advantage of this.

The second enhancement comes in the form of a new gesture. I’ve not been coy about my love of gestures on the Apple Watch, and after last year’s addition of the excellent wrist flick gesture, I was hoping for more this year.

The new single-tap gesture allows you to launch individual widgets within the Smart Stack or carry out an action like starting a workout or recognizing music. This is a nice addition, but my excitement is tempered by the fact that the gesture only works in the Smart Stack. The gesture being unavailable as an API for third-party apps is a disappointing omission by Apple, so I hope they grant developers access soon.

Tidbits

Notifications have been tweaked slightly to allow better access to options like muting and disabling them. Apple Pay notifications are richer, too, with clearer transaction information and a map showing the location of the purchase.

Sticking with transactions, iOS 27 is gaining the ability to create custom Wallet passes from QR codes, and watchOS will display these creations in the Wallet app as well. And in another example of increasing feature parity between watchOS and iOS, the Wallet app now shows card balances.

There are several features that users just don’t take advantage of on the Apple Watch purely because they don’t have the need or don’t particularly like them. Unfortunately, some of these features can affect battery life, so with watchOS 27, your Apple Watch will look for unused features and offer to turn them off to enhance battery life. These include things like Double Tap, Raise to Speak, and Start Workout reminders. You can always turn these features back on in Settings.

Lastly, continuing the theme of performance enhancements, Apple says watchOS 27 has improved Wi-Fi connectivity, better water detection, and more efficient GymKit integration.

Heading to the watchOS Graveyard

watchOS 27 comes with a few cuts, too. The Walkie-Talkie app is gone, as is the App Switcher. While I’m sure there are few who will miss Walkie-Talkie, the axing of the App Switcher seems a strange choice.

Previously, a double press of the Digital Crown would surface your currently open apps, allowing you to switch between them or close them. Now, a double press does the same thing as a single press: opening the new dynamic app grid. I used the App Switcher infrequently, but when I did, it was useful, so I hope Apple reverses course.

The last axe to fall in watchOS 27 is actually on several Apple Watch models. watchOS 27 will only support Apple Watch Series 9 and above, Apple Watch Ultra 2 and above, and Apple Watch SE 3. That means, of the models that could run watchOS 26, Apple is dropping support for Series 6, 7, 8, Ultra 1, and SE 2.

That’s quite a few models, and while Apple has explained the reasoning behind this decision, it will be frustrating to some users, especially those with the original Apple Watch Ultra.

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Siri AI and several new Apple Intelligence features are the big carrots for installing Apple’s OS 27 releases this year. That includes watchOS, and despite its bugs, it’s been exciting to test Siri AI out. If Apple can deliver on this promise, it could be a game changer.

Yet, for most users, the performance enhancements I’ve seen will be the most immediately tangible part of the new OS (with the usual warning that running the watchOS beta means your battery will take a hit). The ability to raise my wrist, perform an action, and quickly move on without hangs or loading screens is incredibly valuable.

Apple has previously described new iOS releases as akin to “getting an entirely new phone”. That statement often referred to feature additions and design changes; however, when you get a new device, the feeling of “new” actually comes from increased speed, power, and performance. As such, watchOS 27 can often feel like using ‘an entirely new Apple Watch’.

If you want to test out these new features before they’re released this fall, you can do so now by enrolling in the watchOS 27 public beta. watchOS 27 is compatible with Apple Watch Series 9 and above, Apple Watch Ultra 2 and above, and Apple Watch SE 3.