# HMRC vs Pensions By Penfold

The clearest difference is ads: HMRC at none against Pensions By Penfold's shown. HMRC also leads on monetization model (free vs free with in-app purchases). Pensions By Penfold's advantage is review sentiment (76% vs 48%). On price, update cadence, in-app purchases and device support 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, Pensions By Penfold every 6 weeks. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | HMRC | Pensions By Penfold |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (605 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews)** | — |
| Number of ratings | **605** | — |
| Positive reviews | 47.9% of reviews | **76.1% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 34 MB | 23 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Penfold](https://appshunter.io/developer/1489598369) |

## 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


### Pensions By Penfold

[App page](https://appshunter.io/ios/app/pensions-by-penfold/id1503716125)

Manage your retirement savings with an intuitive platform that simplifies pension transfers and contributions. Easily track down old pensions, make flexible payments, and choose from various investment funds. Get expert support and transparent fees for a confident financial future.

**Highlights:** Transfer old pensions for free, Find lost pensions, Flexible contributions, Multiple investment funds, Low transparent fees, Expert customer support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HMRC free?

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

### Is Pensions By Penfold free?

Pensions By Penfold is free to download, with no in-app purchases.

### Do HMRC or Pensions By Penfold have ads?

Pensions By Penfold shows ads; HMRC does not.

### Which is updated more often, HMRC or Pensions By Penfold?

HMRC ships an update monthly, and Pensions By Penfold every 6 weeks. Most recently, HMRC was updated on October 23, 2026 and Pensions By Penfold on October 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.*