# HMRC vs Tesco Bank

HMRC and Tesco Bank both sit at 4.8 stars, but that hides the real split: 48% of HMRC's written reviews are positive against 28% of Tesco Bank's. HMRC also leads on device support (3 vs 1). On price, rating, ratings volume and update cadence 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 4.7 for Tesco Bank. Both are backed by a comparable volume of ratings — 608 and 211 respectively. Written reviews are what separate them: 48% of HMRC's written reviews are positive against 28% of Tesco Bank's.

Both ship on a similar rhythm, roughly monthly. Both last shipped on November 1, 2026.

## The numbers

| Metric | HMRC | Tesco Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (608 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews)** | [4.7 (211 ratings)](https://appshunter.io/ios/app/tesco-bank/id857834425/reviews) |
| Number of ratings | **608** | 211 |
| Positive reviews | **48.4% of reviews** | 27.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 34 MB | 295 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Tesco Bank](https://appshunter.io/developer/857834428) |

## 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


### Tesco Bank

[App page](https://appshunter.io/ios/app/tesco-bank/id857834425)

Manage your Tesco Bank accounts and Clubcard spending on the go. Track transactions, make repayments, and transfer money securely. Activate new cards or block lost ones with ease.

**Highlights:** Secure login with Face ID/Touch ID, Detailed transaction viewing, Searchable transaction history, Credit card repayment management, Money transfers between accounts, Card activation and blocking

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 🚀 Great credit card banking experience
- 💡 Useful features like roundup savings
- 👍 User-friendly interface
- 👍 Simple and informative app design

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🐛 Issues with authorizing payments
- 🐛 Inconsistent transaction tracking
- 🐛 Unreliable balance updates
- 🐛 Forced paperless option

**Reported bugs**

- App crashing when authorizing payments
- Inability to view PIN
- Disappearing account data after updates
- Inconsistent login and registration process

**Requested features**

- Dark mode option
- Biometric login support for iPad
- Improved transaction history and balance tracking
- Faster payment processing and updates


## Frequently asked questions

### Is HMRC free?

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

### Is Tesco Bank free?

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

### Which has better reviews, HMRC or Tesco Bank?

HMRC is rated higher. HMRC averages 4.8 out of 5 from 608 ratings, while Tesco Bank averages 4.7 from 211 ratings.

### Do HMRC or Tesco Bank have ads?

Neither HMRC nor Tesco Bank shows ads.

### Which is updated more often, HMRC or Tesco Bank?

HMRC ships an update monthly, and Tesco Bank monthly. Most recently, HMRC was updated on November 1, 2026 and Tesco Bank on November 1, 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.*