# HMRC vs Cuvva

The clearest difference is update cadence: Cuvva at weekly against HMRC's monthly. HMRC's advantage is ratings volume (583 vs 52) and monetization model (free vs ad-supported). 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 4.7 for Cuvva. That said, the two scores are not equally well evidenced: HMRC has 583 ratings behind it against 52, 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 50% of Cuvva's.

HMRC ships an update monthly, Cuvva weekly. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | HMRC | Cuvva |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (583 ratings)](https://appshunter.io/ios/app/hmrc/id514561561/reviews)** | [4.7 (52 ratings)](https://appshunter.io/ios/app/cuvva/id979980804/reviews) |
| Number of ratings | **583** | 52 |
| Positive reviews | 47.3% of reviews | **50.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | **Free** | Ad-supported |
| Size | 34 MB | 123 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [HMRC](https://appshunter.io/developer/514561564) | [Cuvva Limited](https://appshunter.io/developer/979980803) |

## 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


### Cuvva

[App page](https://appshunter.io/ios/app/cuvva/id979980804)

Get temporary car, van, or learner insurance for as little as one hour up to 28 days. Easily borrow or lend vehicles, insure your own car short-term, or get cover to practice driving. Manage your policies entirely through the app.

**Highlights:** Temporary car insurance, Van insurance, Learner driver insurance, Borrow or lend vehicles, Flexible policy durations (1 hour to 28 days), In-app policy management

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

**In-app purchases:** none

**What reviewers like**

- 💯 Excellent service
- ⚡ Quick and easy to use
- 💰 Affordable prices
- 🤝 Great customer support
- 🚗 Convenient for temporary insurance needs

**What reviewers complain about**

- 🚫 Difficulty getting insured
- 💰 Expensive pricing
- 📢 Excessive notifications/ads
- 🤖 Issues with AI/facial recognition
- 🔒 Concerns about legitimacy and coverage

**Reported bugs**

- App freezing or crashing
- Issues with photo uploads and verification
- Inconsistent or incorrect quotes

**Requested features**

- Expand coverage to more vehicle types
- Improve account management and cancellation options
- Provide more transparency on pricing and policies


## Frequently asked questions

### Is HMRC free?

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

### Is Cuvva free?

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

### Which has better reviews, HMRC or Cuvva?

HMRC is rated higher. HMRC averages 4.8 out of 5 from 583 ratings, while Cuvva averages 4.7 from 52 ratings.

### Do HMRC or Cuvva have ads?

Neither HMRC nor Cuvva shows ads.

### Which is updated more often, HMRC or Cuvva?

HMRC ships an update monthly, and Cuvva weekly. Most recently, HMRC was updated on September 24, 2026 and Cuvva on September 21, 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.*