Comparison

HMRC vs Onsi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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

About

Onsi

Access earned wages before payday, manage insurance claims, and save on everyday essentials. This app provides financial support, health and wellbeing services, and exclusive discounts, all depending on your employer's offerings.

Highlights
  • Early wage access
  • Insurance claim management
  • Exclusive discounts
  • Health and wellbeing services
  • Financial support
Features
Read full description

Onsi gives you access to a range of features designed to help you manage your money, protect yourself, and feel supported. What you have access to depends on the company you work with. The features you have access to may include: —Earnings and financial support— Need your money before payday? Onsi lets you access a portion of your earnings when you need them - no more waiting, no more stress. —Cover and peace of mind— Easily check your cover, submit claims, and track them directly through the app. Get financial support when you need it most. —Savings— Make your money go further with exclusive discounts on fuel, food, tech, and more. Onsi helps you save on everyday essentials from trusted high street brands. —Health & wellbeing support— Access a range of health and wellbeing services designed to support your life, both inside and outside of work. Onsi is a UK and EU insurance intermediary. Onsi is a trading name of Collective Society Ltd, Collective Denmark ApS (Onsi Denmark ApS) and Collective Netherlands B.V., who are authorised and regulated by the UK Financial Conduct Authority (No. 923788), the Danish Financial Services Authority (No. 42352985), and the Netherlands Authority for Financial Markets (No. 12049041), respectively. You can check this by visiting the UK Financial Services Register, the Danish Financial Services Register, and the Netherlands Financial Services Register. Copyright © 2025 Collective Society Ltd, All rights reserved. Registered address: 101 New Cavendish Street, 1st Floor South, London, United Kingdom, W1W 6XH

Screenshots

HMRC4 screens
Onsi4 screens

Verdict

The call

The clearest difference is ratings volume: HMRC at 600 against Onsi's 2. Onsi's advantage is rating (5.0 vs 4.8). On price, review sentiment, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Onsi holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: HMRC has 600 ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 47% and 48% positive.

UpkeepUpdate frequency

HMRC ships an update monthly, Onsi every 2 weeks. The most recent releases landed on October 12, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
HMRC versus Onsi: the parameters behind the verdict, then further details
ParameterHMRCOnsi
PriceFreeFree
Rating4.8 (600 ratings)5.0 (2 ratings) — better
Positive reviews47.5% of reviews48.3% of reviews — better
Number of ratings600 — better2
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size34 MB80 MB
Age rating4+17+
DeveloperHMRCCollective Benefits

Customer experience

HMRC

All ratings600 ratings
Positive95.2%
Neutral1.7%
Negative3.2%
Written reviews870 reviews
Positive47.5%
Neutral4.9%
Negative47.6%

Onsi

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews29 reviews
Positive48.3%
Neutral3.4%
Negative48.3%

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

Onsi

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

HMRC

No in-app purchases

None

Onsi

No in-app purchases

Questions

Is HMRC free?
HMRC is free to download, with no in-app purchases.
Is Onsi free?
Onsi is free to download, with no in-app purchases.
Which has better reviews, HMRC or Onsi?
Onsi is rated higher. HMRC averages 4.8 out of 5 from 600 ratings, while Onsi averages 5.0 from 2 ratings.
Do HMRC or Onsi have ads?
Neither HMRC nor Onsi shows ads.
Which is updated more often, HMRC or Onsi?
HMRC ships an update monthly, and Onsi every 2 weeks. Most recently, HMRC was updated on October 12, 2026 and Onsi on October 14, 2026.

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