Personal Hotspot is not visible on my iPhone 13. Thoughts?
How do I turn on Personal Hotspot on my iPhone. It is not visible
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Personal Hotspot is a carrier feature. If its not available in Settings, or Settings->Cellular, then contact your service provider and make sure its supported by them, and provisioned for your service plan correctly.
Link-> If Personal Hotspot is not working on your iPhone or iPad (Wi-Fi + Cellular) - Apple Support