# HMRC vs MoneySavingExpert

The clearest difference is monetization model: HMRC at free against MoneySavingExpert's free with in-app purchases. HMRC also leads on ratings volume (583 vs 126) and device support (3 vs 1). MoneySavingExpert's advantage is review sentiment (71% vs 47%) and update cadence (every 2 weeks vs monthly). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.8 for HMRC against 4.8 for MoneySavingExpert. Both are backed by a comparable volume of ratings — 583 and 126 respectively. Written reviews are what separate them: 47% of HMRC's written reviews are positive against 71% of MoneySavingExpert's.

HMRC ships an update monthly, MoneySavingExpert every 2 weeks. Both last shipped on September 26, 2026.

## The numbers

| Metric | HMRC | MoneySavingExpert |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (583 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews) | [4.8 (126 ratings)](https://appshunter.io/ios/app/moneysavingexpert/id1590502794/reviews) |
| Number of ratings | **583** | 126 |
| Positive reviews | 47.3% of reviews | **70.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 34 MB | 57 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [MoneySavingExpert.com](https://appshunter.io/developer/513845922) |

## 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


### MoneySavingExpert

[App page](https://appshunter.io/ios/app/moneysavingexpert/id1590502794)

Access UK's largest personal finance site for deals, switching tips, and budgeting tools. Get expert guidance and alerts for money-saving opportunities on bills, credit, and everyday costs.

**Highlights:** Bill comparison and switching, Credit score and report access, Energy tariff comparison, Budgeting tools, Insurance quotes, Deal finder

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

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful and informative
- 🚀 Up-to-date information
- 💡 Great savings tips
- 🔒 Trusted and reliable advice
- 👍 Easy to navigate

**What reviewers complain about**

- 🐛 Login and registration issues
- 🐛 Functionality problems
- 🐛 Slow performance
- 🐛 Compatibility issues
- 🔒 Security concerns

**Reported bugs**

- Cloudflare issues causing app to get stuck
- Inability to input verification codes
- Mortgage calculator not working
- Inconsistent user experience

**Requested features**

- Dark mode option
- Improved iPad support
- Better in-app navigation
- Faster response times


## Frequently asked questions

### Is HMRC free?

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

### Is MoneySavingExpert free?

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

### Which has better reviews, HMRC or MoneySavingExpert?

HMRC and MoneySavingExpert are both rated 4.8 out of 5 on the App Store, from 583 and 126 ratings respectively.

### Do HMRC or MoneySavingExpert have ads?

Neither HMRC nor MoneySavingExpert shows ads.

### Which is updated more often, HMRC or MoneySavingExpert?

HMRC ships an update monthly, and MoneySavingExpert every 2 weeks. Most recently, HMRC was updated on September 26, 2026 and MoneySavingExpert on September 26, 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.*