디지털OTP vs Citibank KR
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
디지털OTP
This app provides a secure digital one-time password (OTP) service directly on your smartphone. It simplifies financial transactions by replacing physical security cards with your mobile device. Register at a participating bank to start using it for secure banking.
- Digital OTP generation
- Secure financial transactions
- Replaces physical security cards
- Supports multiple banks
- Face ID authentication
- Push notification alerts
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이제 보안카드가 내 스마트폰 안으로 들어왔습니다~! 스마트폰만으로 간단하게 이체할 수 있습니다. ※ 본 앱은 안전한 금융서비스 제공을 위해 변경된 운영체제(루팅, 커스텀롬 등)에서는 이용하실 수 없습니다. ※ 금융기관 영업점 방문 전 앱을 설치하여 정상적으로 실행되는지 반드시 확인하시길 권고드립니다. (디지털OTP로 보안매체를 변경한 후 앱을 사용할 수 없으면 영업점을 재방문하셔야 합니다.) [현재 서비스 이용가능 기관] - 우리은행, 대구은행, 수협은행, 경남은행, IBK기업은행, 한국씨티은행, 전북은행, 산업은행 * 더 많은 금융기관으로 확대할 예정입니다. o 디지털OTP란? 금융거래에서 사용할 수 있는 인증번호를 제공하는 금융기관 공동의 서비스입니다. o 서비스 이용을 위해서 앱을 다운받으신 후 원하시는 금융기관 영업점을 방문하셔서 디지털OTP [등록]을 받으시면 됩니다. o 등록방법은 다음과 같습니다. [대면등록] 1. 금융기관 영업점 방문 2. 영업점 직원에게 ‘디지털OTP 등록’ 요청 3. 영업점 직원이 등록코드를 요청하면 SMS 문자로 수신한 등록코드(5자리)를 직원에게 제시 4. 영업점 직원에게 디지털OTP 설치 안내물 및 앱 등록코드 수령 5. 디지털OTP 앱을 설치 및 실행하여 앱등록코드를 입력하면 완료! [비대면등록] 1. 금융기관 비대면 실명확인 앱 등을 통해 비대면 실명확인 및 앱등록코드 수령 2. 디지털OTP 앱을 설치 및 실행하여 앱등록코드를 입력하여 발급완료 ※ 비대면등록 세부절차는 금융기관별로 상이할 수 있습니다. o 기억해주세요 - 개인고객만 이용 가능합니다. - 1인이 1개의 스마트폰에서 1개의 앱만 이용 가능합니다. - 금융기관에서 [등록]을 완료하셔야 이용 가능합니다. - 휴대전화번호 또는 스마트폰이 변경되면 금융기관에서 다시 등록하셔야 합니다. - 앱비밀번호 및 인증번호의 다수 오류 시 이용이 제한됩니다. - 금융기관 인터넷뱅킹 및 뱅킹앱 이외에는 인증번호를 요구하지 않습니다. - 스마트폰 분실 및 도난시에는 금융기관 영업점 또는 고객센터로 신고해주시기 바랍니다. - 기타 궁금하신 사항은 디지털OTP 앱의 이용안내와 FAQ를 참고해주시기 바랍니다. [선택 접근권한 안내] o 알림 기능 사용 권한 - 고객의 편의성을 위해 사용합니다. - 경고, 사운드 및 아이콘 배지가 알림에 포함될 수 있습니다. o Face ID 사용 권한 - 고객의 바이오인증을 위해 사용합니다.
Citibank KR
Manage your banking needs with a streamlined mobile experience. Features include easy registration, simplified transfers, smart notifications, and in-app chat support. Access nearly all banking capabilities from your device for enhanced convenience and security.
- Hassle-free registration
- Simplified transfers
- Smart notifications
- Mobile chat support
- Full banking capabilities
- Enhanced safety features
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Experience the Citi Mobile App, improved with easier navigation, newer design and stronger authentication. Key Functionalities ▶ Hassle-free Registration No more IDs and passwords. Registration is completed instantly with phone verification and 6 digit PIN number set up. ▶ Simplified Transfers Make transfers without the hassle of account PINs, digital certificate presentation, etc. * Depending on the transaction risk (transfer amount, recipient account) some additional authentication such as OTP/SMS OTP authentication may be required for your financial security. ▶ Smart Notifications Never miss another account activity and events/privileges for you. ▶ Mobile Chat Got questions? We’re right here to help. Chat with a Citiphone officer at your convenience. ▶ A Citi® branch, in your hand With your busy schedule. We know you don’t want to add in a branch visit in your calendar. That’s why we included almost all our banking capabilities in Citi Mobile® ▶ Enhanced Safety Citi Mobile® is compliant with Citi’s global data protection and fraud detection standards. Permission to Access ● Optional Access : CitiMobile® works best when given access to the following. - Location : Allows the app to look up nearest branch/ATM. - Photo: Allows to save a copy of passbook. - Face ID : Allows to authenticate user with Face ID. - Push : Allows the app to send real-time notifications on banking transactions. - Camera : Allows the app to take a picture of ID card, recognize faces, upper body shot, scan bar code/QR code for service application. * Citi Mobile® will not function on jailbroken/rooted devices. Such devices will need to be reset before running Citi mobile®. * If you have any queries about Citi Mobile®, please use our Mobile Chat or contact Citiphone. * The use of this Citibank KR app is for the customers of Citibank KR only. Content provided via this Citibank KR app is not specifically created for any territory other than where Citibank KR operates/is licensed to operate. Compliance Review 2406-01-047 ( 2024.06.18 )
Screenshots
Verdict
The clearest difference is review sentiment: Citibank KR at 82% against 디지털OTP's 2%. Citibank KR also leads on rating (4.5 vs 1.6) and ratings volume (119 vs 9). 디지털OTP's advantage is iOS requirement (9.0 vs 12.0). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Citibank KR holds the better App Store score, 4.5 against 1.6. That said, the two scores are not equally well evidenced: Citibank KR has 119 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 2% of 디지털OTP's written reviews are positive against 82% of Citibank KR's.
Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on October 15, 2026 and October 13, 2026 respectively.
| Parameter | 디지털OTP | Citibank KR |
|---|---|---|
| Price | Free | Free |
| Rating | 1.6 (9 ratings) | 4.5 (119 ratings) — better |
| Positive reviews | 1.9% of reviews | 82.2% of reviews — better |
| Number of ratings | 9 | 119 — better |
| Update frequency | Every 4 months | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 9.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 45 MB | 134 MB |
| Age rating | 4+ | 9+ |
| Developer | KFTC | CITIBANK KOREA INC. |
Customer experience
디지털OTP
Citibank KR
Bugs and requests
디지털OTP
Not enough reviews yet to summarise bugs or requests.
Citibank KR
Reported bugs
23 issues- Account transfer not working after iOS update
- Login issues with newest version
- Cannot log in with old ID-plus-password combination
- Non-Korean names cannot be entered correctly
- Copy certificate function not working
Show 18 moreShow fewer
- Language setting resets to Korean
- Transfer button missing after entering amount
- App crashes or doesn't launch
- Service error upon login
- Account authentication errors
- Cannot use fingerprint recognition with MVNOs on iPhone
- Errors during new account opening (phone authentication, ID recognition, javascript)
- Mobile transfer not working
- Cannot register for simple payment
- App login not working
- Coupon box error
- App does not launch
- Cannot use fingerprint recognition with MVNOs
- Cannot input long password for public certificate authentication on iOS
- App crashes on iOS 10.2.1 due to 'hacked phone' message
- Fund names not displayed in English
- Menu navigation is inconvenient
- Smart notification settings reset issue
Requested features
22 requests- iOS 16 update
- Improved language setting persistence
- Better support for non-Korean names in login
- Fix for 'copy certificate' function
- More space for non-Korean names
Show 17 moreShow fewer
- Face ID support for iPhone users
- Support for newer iPhone resolutions
- Ability to disable password requirement for login
- Add cancellation notification for payments
- Display monthly spending summary
- Add tab for card benefits and satisfaction
- Support for iPad version
- Add Face ID support for iPhone X
- Add support for Face ID
- Improve security card number input for transfers
- Add real-time transaction notifications
- Add monthly/yearly spending summary
- Add support for Face ID on iPhone X
- Add Face ID support
- Add Face ID support
- Add Face ID support
- Add Face ID support
In-app purchases
디지털OTP
No in-app purchases
Citibank KR
No in-app purchases








