# HMRC vs Access PayWise+

The clearest difference is review sentiment: Access PayWise+ at 86% against HMRC's 47%. Access PayWise+ also leads on iOS requirement (13.0 vs 15.0). On price, update cadence, ads 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.

HMRC ships an update monthly, Access PayWise+ every 3 weeks. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | HMRC | Access PayWise+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (583 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews)** | — |
| Number of ratings | **583** | — |
| Positive reviews | 47.3% of reviews | **86.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 34 MB | 39 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Access UK Ltd](https://appshunter.io/developer/325537062) |

## 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


### Access PayWise+

[App page](https://appshunter.io/ios/app/access-paywise-plus/id1457007747)

Access earned wages before your payday with this financial wellbeing app. It offers smart money management tools, personalized AI coaching, and savings features to help you build financial resilience and manage your money confidently.

**Highlights:** Earned wage access, Real-time accrued wages, AI financial coach, Savings pots, Money management tools

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HMRC free?

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

### Is Access PayWise+ free?

Access PayWise+ is free to download, with no in-app purchases.

### Do HMRC or Access PayWise+ have ads?

Neither HMRC nor Access PayWise+ shows ads.

### Which is updated more often, HMRC or Access PayWise+?

HMRC ships an update monthly, and Access PayWise+ every 3 weeks. Most recently, HMRC was updated on September 24, 2026 and Access PayWise+ on September 22, 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.*