# HMRC vs Ramsdens Multi Currency Card

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.

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.

## The numbers

| Metric | HMRC | Ramsdens Multi Currency Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (600 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/ramsdens-multi-currency-card/id6448112929/reviews)** |
| Number of ratings | **600** | 2 |
| Positive reviews | 47.9% of reviews | **74.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free | Free |
| Size | 34 MB | 81 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Ramsdens](https://appshunter.io/developer/1683526002) |

## 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


### Ramsdens Multi Currency Card

[App page](https://appshunter.io/ios/app/ramsdens-multi-currency-card/id6448112929)

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.

**Highlights:** Manage 18 currencies, Real-time balance check, Lock-in exchange rates, Transfer between currencies, Track spending, Report lost/stolen card

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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)

**What reviewers complain about**

- 🐛 App stability and login issues
- ❌ Service outages and downtime
- 💸 Hidden fees and commissions on transactions
- 📉 Inconsistent exchange rates
- ⚠️ Card declined despite available balance

**Reported bugs**

- 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

**Requested features**

- Apple Pay integration support
- Improved app stability and performance
- Better customer support channels
- Transparent fee structure
- Offline functionality


## Frequently asked questions

### Is HMRC free?

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

### Is Ramsdens Multi Currency Card free?

Ramsdens Multi Currency Card is free to download, with no in-app purchases.

### Which has better reviews, HMRC or Ramsdens Multi Currency Card?

Ramsdens Multi Currency Card is rated higher. HMRC averages 4.8 out of 5 from 600 ratings, while Ramsdens Multi Currency Card averages 5.0 from 2 ratings.

### Do HMRC or Ramsdens Multi Currency Card have ads?

Neither HMRC nor Ramsdens Multi Currency Card shows ads.

### Which is updated more often, HMRC or Ramsdens Multi Currency Card?

HMRC ships an update monthly, and Ramsdens Multi Currency Card every 4 months. Most recently, HMRC was updated on October 18, 2026 and Ramsdens Multi Currency Card on October 17, 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.*