# HMRC vs Black Horse FlexPay Mobile App

HMRC and Black Horse FlexPay Mobile App are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

HMRC ships an update monthly, Black Horse FlexPay Mobile App every 3 weeks. The most recent releases landed on November 1, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | HMRC | Black Horse FlexPay Mobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (608 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews)** | — |
| Number of ratings | **608** | — |
| Positive reviews | 48.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 34 MB | 82 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Lloyds Banking Group](https://appshunter.io/developer/469964523) |

## What reviewers say

### HMRC

[App page](https://appshunter.io/ios/app/hmrc/id514561561)

Manage your taxes, benefits, and savings securely and easily. This free app allows you to check your tax code, claim refunds, and manage National Insurance details. It offers quick setup and paperless messaging options.

**Highlights:** Quick setup with biometric login, Check tax code and pay, Claim tax refunds, Check State Pension details, Make Self Assessment payments, Manage Child Benefit, Find National Insurance number, Go paperless

**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


### Black Horse FlexPay Mobile App

[App page](https://appshunter.io/ios/app/black-horse-flexpay-mobile-app/id6477295307)

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

**In-app purchases:** none


## Frequently asked questions

### Is HMRC free?

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

### Is Black Horse FlexPay Mobile App free?

Black Horse FlexPay Mobile App is free to download, with no in-app purchases.

### Do HMRC or Black Horse FlexPay Mobile App have ads?

Neither HMRC nor Black Horse FlexPay Mobile App shows ads.

### Which is updated more often, HMRC or Black Horse FlexPay Mobile App?

HMRC ships an update monthly, and Black Horse FlexPay Mobile App every 3 weeks. Most recently, HMRC was updated on November 1, 2026 and Black Horse FlexPay Mobile App on October 27, 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.*