Comparison

HMRC vs Argos Pay

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

Argos Pay

Manage your credit account securely on the go. Check balances, view transactions, track payment plans, and make payments. Set spending alerts and update your contact information easily.

Highlights
  • Check balance and credit limit
  • View transactions (pending included)
  • Track instalment and BNPL plans
  • Make payments
  • Set up Direct Debit
  • Configure spending alerts
  • Update contact details
Features
Read full description

Manage your Argos Pay account anywhere, anytime, with our secure mobile app. It's free to download now, just use the details you signed up with. Stay in control with the mobile app and manage your account easily: • Check your latest balance and available credit limit • View your latest transactions, including transactions that are still pending • Track the progress of your Instalment and Buy Now, Pay Later plans • Make a payment on your account • Set up or manage your Direct Debit • Select your spending alerts • Update your contact details & manage your contact preferences • Get in contact with us and view our FAQs Credit provided by NewDay Ltd. 18+. UK only. Subject to status. T&Cs apply.

Screenshots

HMRC4 screens
Argos Pay4 screens

Verdict

The call

The clearest difference is ratings volume: HMRC at 583 against Argos Pay's 2. HMRC also leads on review sentiment (47% vs 26%) and monetization model (free vs ad-supported). Argos Pay's advantage is update cadence (weekly vs monthly) and rating (5.0 vs 4.8). On price, ads, in-app purchases and device support 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

Argos Pay holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: HMRC has 583 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 47% of HMRC's written reviews are positive against 26% of Argos Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

HMRC ships an update monthly, Argos Pay weekly. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard5 real differences · 5 level
HMRC versus Argos Pay: the parameters behind the verdict, then further details
ParameterHMRCArgos Pay
PriceFreeFree
Rating4.8 (583 ratings)5.0 (2 ratings) — better
Positive reviews47.3% of reviews — better25.9% of reviews
Number of ratings583 — better2
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size34 MB152 MB
Age rating4+17+
DeveloperHMRCNewDay Ltd

Customer experience

HMRC

All ratings583 ratings
Positive95.0%
Neutral1.7%
Negative3.3%
Written reviews857 reviews
Positive47.3%
Neutral5.0%
Negative47.7%

Argos Pay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews81 reviews
Positive25.9%
Neutral1.2%
Negative72.8%

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

Argos Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

HMRC

No in-app purchases

None

Argos Pay

No in-app purchases

Questions

Is HMRC free?
HMRC is free to download, with no in-app purchases.
Is Argos Pay free?
Argos Pay is free to download, with no in-app purchases.
Which has better reviews, HMRC or Argos Pay?
Argos Pay is rated higher. HMRC averages 4.8 out of 5 from 583 ratings, while Argos Pay averages 5.0 from 2 ratings.
Do HMRC or Argos Pay have ads?
Neither HMRC nor Argos Pay shows ads.
Which is updated more often, HMRC or Argos Pay?
HMRC ships an update monthly, and Argos Pay weekly. Most recently, HMRC was updated on September 24, 2026 and Argos Pay on September 23, 2026.

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