# HMRC vs Yotta Pay

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 48%). 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 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: 48% 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 16, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | HMRC | Yotta Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (600 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/yotta-pay/id1531344362/reviews) |
| Number of ratings | **600** | 3 |
| Positive reviews | 47.9% of reviews | **77.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 34 MB | 57 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [YOTTA DIGITAL LTD](https://appshunter.io/developer/1531344364) |

## 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


### Yotta Pay

[App page](https://appshunter.io/ios/app/yotta-pay/id1531344362)

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.

**Highlights:** Contactless payments, Bank-grade security, Instant payments to businesses, Instant money transfers, QR code payment requests, Payment confirmation

**In-app purchases:** none


## Frequently asked questions

### Is HMRC free?

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

### Is Yotta Pay free?

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

### Which has better reviews, HMRC or Yotta Pay?

HMRC is rated higher. HMRC averages 4.8 out of 5 from 600 ratings, while Yotta Pay averages 3.7 from 3 ratings.

### Do HMRC or Yotta Pay have ads?

Neither HMRC nor Yotta Pay shows ads.

### Which is updated more often, HMRC or Yotta Pay?

HMRC ships an update monthly, and Yotta Pay every 3 weeks. Most recently, HMRC was updated on October 16, 2026 and Yotta Pay on October 7, 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.*