# HMRC vs Apple Wallet

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.

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 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.

HMRC ships an update monthly, Apple Wallet every 3 months. The most recent releases landed on September 24, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | HMRC | Apple Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (583 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews) | [4.8 (7.4M ratings)](https://appshunter.io/ios/app/apple-wallet/id1160481993/reviews) |
| Number of ratings | 583 | **7.4M** |
| Positive reviews | 47.3% of reviews | **53.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free | Free |
| Size | 34 MB | 9 MB |
| Requires iOS | 15.0 | **10.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPod, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Apple](https://appshunter.io/developer/284417353) |

## What reviewers say

### 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


### Apple Wallet

[App page](https://appshunter.io/ios/app/apple-wallet/id1160481993)

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:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

- 🚫 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

**Reported bugs**

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

**Requested features**

- 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)


## Frequently asked 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 25, 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.*