HMRC vs Ramsdens Multi Currency Card
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
Ramsdens Multi Currency Card
Manage your multi-currency travel card account with this app. It allows you to top up and reload 18 different currencies, track spending, and lock in exchange rates for secure holiday finances. It's a safer alternative to carrying cash and can be used worldwide where Mastercard is accepted.
- Manage 18 currencies
- Real-time balance check
- Lock-in exchange rates
- Transfer between currencies
- Track spending
- Report lost/stolen card
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The official app for Ramsdens Multi Currency Card. Ramsdens Multi Currency Card is free to use worldwide in millions of locations. Use the app to fully manage your multi currency card account and stay in control of your holiday finances. Multi Currency Card is not linked to your bank account and is a safer option than carrying cash. Take your Multi Currency Card with you on every holiday, simply top up and go ▪ Use worldwide anywhere Mastercard is accepted ▪ Easy to use, contactless transactions and chip & pin ▪ Worldwide cash withdrawals ▪ Phone support available worldwide 24/7 FEATURES OF THE APP ▪ 18 different currencies available to instantly top up and reload multiple currencies – from anywhere in the world. ▪ Real time balance check ▪ Lock-in exchange rates so you’ll know exactly how much money you have to spend ▪ Transfer between currencies ▪ Keep a track of your spending, view your transactions ▪ Report your card lost or stolen and check your card pin ▪ Manage your personal details
Screenshots
Verdict
The clearest difference is review sentiment: Ramsdens Multi Currency Card at 74% against HMRC's 48%. Ramsdens Multi Currency Card also leads on rating (5.0 vs 4.8). HMRC's advantage is ratings volume (600 vs 2) and update cadence (monthly vs every 4 months). On price, ads, in-app purchases and monetization model 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.
Ramsdens Multi Currency Card 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 point the same way: 48% of HMRC's written reviews are positive against 74% of Ramsdens Multi Currency Card's.
HMRC ships an update monthly, Ramsdens Multi Currency Card every 4 months. The most recent releases landed on October 18, 2026 and October 17, 2026 respectively.
| Parameter | HMRC | Ramsdens Multi Currency Card |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (600 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 47.9% of reviews | 74.3% of reviews — better |
| Number of ratings | 600 — better | 2 |
| Update frequency | Monthly — better | Every 4 months |
| 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 | 81 MB |
| Age rating | 4+ | 4+ |
| Developer | HMRC | Ramsdens |
Customer experience
HMRC
Ramsdens Multi Currency Card
User reviews
HMRC
From 600 App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Straightforward payment process
- 💡 Useful information and updates
- 🔒 Secure authentication
Room to improve
- 🐛 Frequent login issues and app crashes
- 🤔 Confusing navigation and UI
- ⚠️ Lack of communication about tax changes
- 🕰️ Slow and unresponsive app
Ramsdens Multi Currency Card
From 2 App Store ratingsWhat we love
- 👍 Easy to use app and card interface
- 💱 Simple currency exchange and conversion
- 🚀 Quick money transfers and top-ups
- 🔒 Safe and secure for travel
- 💳 Multi-currency support (18+ countries)
Room to improve
- 🐛 App stability and login issues
- ❌ Service outages and downtime
- 💸 Hidden fees and commissions on transactions
- 📉 Inconsistent exchange rates
- ⚠️ Card declined despite available balance
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
Ramsdens Multi Currency Card
Reported bugs
9 issues- App won't log in, requires reinstall
- App freezes on opening
- Service timeout errors during transfers
- Card transactions declined unexpectedly
- PIN authentication failures at ATMs
Show 4 moreShow fewer
- App page freezing after failed top-up
- Constant service issue notifications
- App logs out users unexpectedly
- Site constantly updating, preventing balance review
Requested features
6 requests- Apple Pay integration support
- Improved app stability and performance
- Better customer support channels
- Transparent fee structure
- Offline functionality
Show 1 moreShow fewer
- Enhanced compatibility with older devices
In-app purchases
HMRC
No in-app purchases
Ramsdens Multi Currency Card
No in-app purchases
Questions
Is HMRC free?
Is Ramsdens Multi Currency Card free?
Which has better reviews, HMRC or Ramsdens Multi Currency Card?
Do HMRC or Ramsdens Multi Currency Card have ads?
Which is updated more often, HMRC or Ramsdens Multi Currency Card?
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