# HMRC vs Cash App

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.

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

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.

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

## The numbers

| Metric | HMRC | Cash App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (583 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews) | [4.8 (8.7M ratings)](https://appshunter.io/ios/app/cash-app/id711923939/reviews) |
| Number of ratings | 583 | **8.7M** |
| Positive reviews | 47.3% of reviews | **54.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#4** |
| Size | 34 MB | 425 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Block, Inc.](https://appshunter.io/developer/335393791) |

## 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


### Cash App

[App page](https://appshunter.io/ios/app/cash-app/id711923939)

**Currently charting:** #4 Top Free · Finance, #47 Top Free (US App Store)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🔒 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

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*