Comparison

HMRC vs Apple Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HMRC

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
Read full description

Take control of your money and tax with the HMRC app It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app. Key Features: - Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN - Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount - Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one - Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can - Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file - Child Benefit support: claim, manage, and update your Child Benefit details - National Insurance: find and save your National Insurance number so you have it when you need it - Go paperless: opt to receive key messages from HMRC online Download the HMRC app today and stay on top of your money and taxes

About

Apple Wallet

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Highlights
  • Store credit/debit cards
  • Digital driver's license/state ID
  • Transit and event tickets
  • Digital keys for car, home, hotel
  • Secure contactless payments
  • Send and receive money
Features
Read full description

The Wallet app lives right on your iPhone. It’s where you securely keep your credit and debit cards, eligible driver’s license or state ID, transit cards, keys, event tickets, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more. Apple Pay Apple Pay is an easy, secure way to pay in stores or online.1 Pay for a ride, a pizza, or even a new sofa — with Touch ID or Face ID. Apple Card Apple Card is the credit card created by Apple. You earn up to 3% unlimited Daily Cash back on every purchase every day, and it’s designed with all the privacy and security you’d expect from Apple. You can apply in as little as minute with no impact to your credit score.2 Apple Cash Apple Cash is an easy and secure way to send and receive money in Messages or Wallet.3 And because it’s a digital card that lives in Wallet, you can use it to make purchases in stores, online, or in apps with Apple Pay. With Tap to Cash, you can send and receive Apple Cash simply by holding your iPhone near someone else’s iPhone — without having to share phone numbers. Driver’s License and State ID Add your eligible driver’s license or state ID to Wallet, and with just a tap of your iPhone or Apple Watch you can present your ID without handing over your device.4 The security of Face ID and Touch ID means only you can present your ID. Boarding Passes After you add your airline passes to Wallet, just show up at your gate and easily present your pass directly from your lock screen. And receive timely flight information and notifications along the way.5 Transit Set your card to Express Mode, then just tap and hop on to ride the next train or bus.5 Breeze through the turnstiles by holding your iPhone or Apple Watch to the reader. Sports & Live Events With Wallet, your tickets are always at the ready. Enter a concert venue, sports stadium or festival with just your iPhone or Apple Watch.5 Tickets in Apple Wallet now bring fans a richer experience including venue maps, recommended Apple Music playlists, and more. Keys Store keys to your car, home, workplace, and hotel room in Wallet.5 Unlock doors with just a tap of your iPhone or Apple Watch, and securely share keys in Wallet through messaging apps, including Messages, Mail, and more. Loyalty and Rewards Add your favorite coffee shop, drugstore, or retail rewards cards to Wallet, and next time you’re at checkout, just tap and pay to receive and redeem rewards.5 1 Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. 2 Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score. To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch. 3 Apple Cash services are provided by Green Dot Bank. Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. To learn more about the  Terms and Conditions visit https://applecash.greendot.com/termsconditions. Only available in the U.S. on eligible devices. 4 ID cards in Wallet are currently available for use in select states at select TSA checkpoints. ID verifier is available at select merchants. Requires eligible device and OS version. See apple.com/wallet for details. 5 Only available with select partners and locations, and requires eligible device and OS version. See apple.com/wallet for details.

Screenshots

HMRC4 screens
Apple Wallet4 screens

Verdict

The call

The clearest difference is ratings volume: Apple Wallet at 7.4M against HMRC's 583. Apple Wallet also leads on iOS requirement (10.0 vs 15.0). HMRC's advantage is update cadence (monthly vs every 3 months). On price, rating, review sentiment and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for HMRC against 4.8 for Apple Wallet. That said, the two scores are not equally well evidenced: Apple Wallet has 7.4M ratings behind it against 583, so its average is the more settled of the two. Written reviews are what separate them: 47% of HMRC's written reviews are positive against 54% of Apple Wallet's.

UpkeepUpdate frequency

HMRC ships an update monthly, Apple Wallet every 3 months. Both last shipped on September 24, 2026.

Scorecard3 real differences · 7 level
HMRC versus Apple Wallet: the parameters behind the verdict, then further details
ParameterHMRCApple Wallet
PriceFreeFree
Rating4.8 (583 ratings)4.8 (7.4M ratings)
Positive reviews47.3% of reviews53.5% of reviews — better
Number of ratings5837.4M — better
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPod, Apple Watch
Requires iOS15.010.0 — better
Further details — not scored
Size34 MB9 MB
Age rating4+4+
DeveloperHMRCApple

Customer experience

HMRC

All ratings583 ratings
Positive95.0%
Neutral1.7%
Negative3.3%
Written reviews857 reviews
Positive47.3%
Neutral5.0%
Negative47.7%

Apple Wallet

All ratings7,410,534 ratings
Positive94.3%
Neutral1.5%
Negative4.2%
Written reviews9,018 reviews
Positive53.5%
Neutral5.5%
Negative41.0%

User reviews

HMRC

From 583 App Store ratings

What we love

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

Room to improve

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

Apple Wallet

From 7.4M App Store ratings

What we love

  • 🚀 Convenient and easy to use
  • 🔒 Secure with Face ID/Touch ID
  • 💳 Integrates credit/debit cards well
  • 🎟️ Stores tickets and passes
  • 🏠 Stores digital keys and IDs

Room to improve

  • 🚫 Limited ability to add loyalty/membership cards
  • 🤔 Inconsistent card detection and adding
  • 💰 Unauthorized charges and payment issues
  • 🔍 Lack of customization options (nicknames, images)
  • 🇨🇦 Limited support for Canadian features

Bugs and requests

HMRC

Reported bugs

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

Requested features

4 requests
  • 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

Apple Wallet

Reported bugs

4 issues
  • Card adding/removal issues
  • Transactions not properly recorded
  • Face ID/Touch ID failures
  • Wallet app freezing or not responding

Requested features

5 requests
  • Add ability to add loyalty/membership cards
  • Improve card detection and adding process
  • Provide better transaction history and categorization
  • Allow customization of card names and images
  • Expand support for international features (e.g. Presto card)

In-app purchases

None

HMRC

No in-app purchases

None

Apple Wallet

No in-app purchases

Questions

Is HMRC free?
HMRC is free to download, with no in-app purchases.
Is Apple Wallet free?
Apple Wallet is free to download, with no in-app purchases.
Which has better reviews, HMRC or Apple Wallet?
HMRC and Apple Wallet are both rated 4.8 out of 5 on the App Store, from 583 and 7.4M ratings respectively.
Do HMRC or Apple Wallet have ads?
Neither HMRC nor Apple Wallet shows ads.
Which is updated more often, HMRC or Apple Wallet?
HMRC ships an update monthly, and Apple Wallet every 3 months. Most recently, HMRC was updated on September 24, 2026 and Apple Wallet on September 24, 2026.

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