HMRC vs Yotta Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
Yotta Pay
This free contactless payment app offers bank-grade security through Open Banking, eliminating the need to share card details. It enables instant payments to businesses and individuals, and allows users to receive funds quickly from clients, family, or friends.
- Contactless payments
- Bank-grade security
- Instant payments to businesses
- Instant money transfers
- QR code payment requests
- Payment confirmation
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Yotta Pay is a free contactless payment app. Bank-grade security provided by Open Banking protocols. Confirm each payment with your mobile bank app and never share your card details. Pay money instantly to SMEs, sole traders, and charities. Receive money instantly from your clients, family, and friends. Request a payment from someone near you with QR code, or just choose a contact from your phone book. He or she will receive a clear pre-filled payment instruction in their mobile bank app. You will receive payment confirmation right after they confirm it.
Screenshots
Verdict
The clearest difference is rating: HMRC at 4.8 against Yotta Pay's 3.7. HMRC also leads on ratings volume (600 vs 3). Yotta Pay's advantage is review sentiment (77% vs 47%). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
HMRC holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: HMRC has 600 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 47% of HMRC's written reviews are positive against 77% of Yotta Pay's, so the app with the better star average is not the one people write more warmly about.
HMRC ships an update monthly, Yotta Pay every 3 weeks. The most recent releases landed on October 15, 2026 and October 7, 2026 respectively.
| Parameter | HMRC | Yotta Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (600 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 47.5% of reviews | 77.4% of reviews — better |
| Number of ratings | 600 — better | 3 |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 34 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | HMRC | YOTTA DIGITAL LTD |
Customer experience
HMRC
Yotta Pay
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
Yotta Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
HMRC
No in-app purchases
Yotta Pay
No in-app purchases









