# PayPal vs HMRC

The clearest difference is ads: HMRC at none against PayPal's shown. HMRC also leads on review sentiment (47% vs 21%) and monetization model (free vs free with in-app purchases). PayPal's advantage is ratings volume (6.3M vs 583) and update cadence (weekly vs monthly). On price, rating and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for HMRC. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 583, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 47% of HMRC's.

PayPal ships an update weekly, HMRC monthly. Both last shipped on September 24, 2026.

## The numbers

| Metric | PayPal | HMRC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews) | [4.8 (583 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews) |
| Number of ratings | **6.3M** | 583 |
| Positive reviews | 21.4% of reviews | **47.3% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#6** | — |
| Size | 767 MB | 34 MB |
| Requires iOS | 17.4 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [HMRC](https://appshunter.io/developer/514561564) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #6 Top Free · Finance, #56 Top Free (US App Store)

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

**Highlights:** Send and receive money globally, Earn cash back offers, Request a debit card, Buy, sell, and hold cryptocurrency, High-yield savings accounts, Track packages

**Features:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Extremely effective and reliable crypto recovery service
- 🔒 Secure payment processing
- 💰 Convenient way to send and receive money
- 👍 Easy to use app with simple interface

**What reviewers complain about**

- 🐛 Inconsistent customer support responses
- 🕰️ Slow money transfer times
- 💳 Holds on funds for new accounts
- 🤖 Overly automated with lack of human interaction

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

- Faster money transfers
- More transparent policies and fees
- Improved dispute resolution process
- Better customer service accessibility


### HMRC

[App page](https://appshunter.io/ios/app/hmrc/id514561561)

Manage your taxes, benefits, and savings securely and easily. Check your tax code, claim refunds, and track your State Pension. Access Self Assessment and Child Benefit information, and find your National Insurance number.

**Highlights:** Quick secure sign-in, Check tax code and pay, Claim tax refunds, View State Pension details, Self Assessment payments, Manage Child Benefit, Find National Insurance number

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Straightforward payment process
- 💡 Useful information and updates
- 🔒 Secure authentication

**What reviewers complain about**

- 🐛 Frequent login issues and app crashes
- 🤔 Confusing navigation and UI
- ⚠️ Lack of communication about tax changes
- 🕰️ Slow and unresponsive app

**Reported bugs**

- Endless login loops and redirects
- App freezing and becoming unresponsive
- Inconsistent behavior after app updates
- Issues with Face ID and biometric authentication

**Requested features**

- Improved notification system for tax updates
- Ability to view and manage tax details in-app
- Better integration with banking apps for payments
- More user-friendly design and navigation


## Frequently asked questions

### Is PayPal free?

PayPal is free to download, with no in-app purchases.

### Is HMRC free?

HMRC is free to download, with no in-app purchases.

### Which has better reviews, PayPal or HMRC?

PayPal and HMRC are both rated 4.8 out of 5 on the App Store, from 6.3M and 583 ratings respectively.

### Do PayPal or HMRC have ads?

PayPal shows ads; HMRC does not.

### Which is updated more often, PayPal or HMRC?

PayPal ships an update weekly, and HMRC monthly. Most recently, PayPal was updated on September 24, 2026 and HMRC on September 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*