Comparison

HMRC vs Cash App

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

Cash App

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Highlights
  • Send & receive money/bitcoin instantly
  • Round up spare change to save
  • Invest in stocks, ETFs, and bitcoin
  • Direct deposit for early paychecks
  • Customizable debit card with discounts
  • Free Lightning Network transfers
Features
Read full description

The easy way to spend, save, and invest. Pay anyone in cash or bitcoin instantly and enjoy free Lightning Network transfers with compatible wallets. Start saving by rounding up spare change to the nearest dollar or invest in stocks, ETFs, or bitcoin.**** Experience a faster, simpler way to bank.* Set up direct deposit and get your paycheck up to 2 days early. Order a customizable debit card for free** and add it to your digital wallet. Save on everyday spending with exclusive offers. Download Cash App and create an account in minutes. CASH APP FEATURES P2P PAYMENTS • Send & receive money or bitcoin for free instantly • Pay people using their phone number, email, $cashtag, or QR code • Keep your money safe from fraud with advanced security features CUSTOMIZABLE DEBIT CARD • No hidden fees: Your card works where Visa® is accepted • Customizable: Make it personal & add it to your digital wallet • Safe & secure: Receive real-time transaction alerts & 24/7 fraud monitoring • Instant discounts: Save on spending & check out securely in person & online SIMPLIFIED BANKING SERVICES* • Set up direct deposit & get paid up to 2 days early • Get paid in bitcoin with no fees • No monthly balance minimums or activity requirements • Withdraw from in-network ATMs for free when you earn Green status*** • No overdraft fees & up to $200 in free overdraft coverage on Cash App Card transactions when you qualify for Green status *** EXCLUSIVE DISCOUNTS & SAVINGS • Earn up to 3.5% when you have Green status*** • Round up your spare change to the nearest dollar to start saving • Enjoy exclusive discounts on top brands & events with your Cash App Card • Get access to concert presales & exclusive events STOCK & BITCOIN INVESTMENTS • Buy stocks with no commission fees • Automatically buy bitcoin with zero fees, zero spread • Buy stock & bitcoin with custom orders or auto invest Cash App offers simplified financial services for everyone 13 and up with an account sponsored by a parent or guardian.***** Do more with your money and download Cash App today. — *Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions at cash.app/legal. Discounts, Round Ups, Direct Deposit, Offers, Savings, P2P and Cash App Green features provided by Cash App, a Block, Inc brand. Offers may not be affiliated with third party merchants. **Card use fees apply. Free cards come in black or white. ***Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information on borrowing, free overdraft coverage, savings interest, free in-network ATM withdrawals. ****Brokerage services by Cash App Investing LLC, subsidiary of Block, Inc. For additional information, see cash.app/CAIdisclosures. Bitcoin services provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories. For additional information, see Bitcoin disclosures. Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. See house rules for details. *****Teens 13 to 17 can use Cash App with sponsorship by an eligible parent or guardian. See eligibility requirements at cash.app/legal. Contact Cash App Support by phone at (800) 969-1940 or mail at: Block, Inc. 1955 Broadway, Suite 600 Oakland, CA 94612

Screenshots

HMRC4 screens
Cash App4 screens

Verdict

The call

The clearest difference is monetization model: HMRC at free against Cash App's free with in-app purchases. HMRC also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). Cash App's advantage is ratings volume (8.7M vs 583) and update cadence (weekly vs monthly). On price, rating, review sentiment 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

On the App Store both sit at effectively the same score — 4.8 for HMRC against 4.8 for Cash App. That said, the two scores are not equally well evidenced: Cash App has 8.7M ratings behind it against 583, so its average is the more settled of the two. Written reviews are what separate them: 47% of HMRC's written reviews are positive against 55% of Cash App's.

UpkeepUpdate frequency

HMRC ships an update monthly, Cash App weekly. Both last shipped on September 24, 2026.

Scorecard6 real differences · 5 level
HMRC versus Cash App: the parameters behind the verdict, then further details
ParameterHMRCCash App
PriceFreeFree
Rating4.8 (583 ratings)4.8 (8.7M ratings)
Positive reviews47.3% of reviews54.7% of reviews — better
Number of ratings5838.7M — better
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank—#6 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size34 MB425 MB
Age rating4+12+
DeveloperHMRCBlock, Inc.

Customer experience

HMRC

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

Cash App

All ratings8,707,991 ratings
Positive95.2%
Neutral2.0%
Negative2.8%
Written reviews5,981 reviews
Positive54.7%
Neutral4.7%
Negative40.6%

User reviews

HMRC

From 583 App Store ratings

What 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

Cash App

From 8.7M App Store ratings

What we love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing
  • 🤑 Borrow money feature

Room to improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges
  • 🔍 Unclear account restrictions and limits
  • 🐛 App crashes and technical issues

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

Cash App

Reported bugs

3 issues
  • Recurring issues with direct deposits and money transfers
  • Inconsistent app behavior and unexpected account restrictions
  • Problems with mobile check deposits and cash withdrawals

Requested features

4 requests
  • Improve customer support with live chat or phone options
  • Provide more transparency on account policies and limitations
  • Enhance security features to prevent fraud and unauthorized access
  • Streamline the refund and dispute process for users

In-app purchases

None

HMRC

No in-app purchases

None

Cash App

No in-app purchases

Questions

Is HMRC free?
HMRC is free to download, with no in-app purchases.
Is Cash App free?
Cash App is free to download, with no in-app purchases.
Which has better reviews, HMRC or Cash App?
HMRC and Cash App are both rated 4.8 out of 5 on the App Store, from 583 and 8.7M ratings respectively.
Do HMRC or Cash App have ads?
Neither HMRC nor Cash App shows ads.
Which is updated more often, HMRC or Cash App?
HMRC ships an update monthly, and Cash App weekly. Most recently, HMRC was updated on September 24, 2026 and Cash App on September 24, 2026.

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