# 디지털OTP vs SGI M(SGI서울보증)

The clearest difference is review sentiment: SGI M(SGI서울보증) at 52% against 디지털OTP's 2%. SGI M(SGI서울보증) also leads on rating (2.0 vs 1.6) and update cadence (every 2 months vs every 4 months). 디지털OTP's advantage is iOS requirement (9.0 vs 13.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

SGI M(SGI서울보증) holds the better App Store score, 2.0 against 1.6. Both are backed by a comparable volume of ratings — 9 and 4 respectively. Written reviews point the same way: 2% of 디지털OTP's written reviews are positive against 52% of SGI M(SGI서울보증)'s.

디지털OTP ships an update every 4 months, SGI M(SGI서울보증) every 2 months. The most recent releases landed on September 11, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | 디지털OTP | SGI M(SGI서울보증) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.6 (9 ratings)](https://appshunter.io/ios/app/otp/id1129049090/reviews) | **[2.0 (4 ratings)](https://appshunter.io/ios/app/sgi-msgi/id6443694425/reviews)** |
| Number of ratings | **9** | 4 |
| Positive reviews | 1.9% of reviews | **52.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 45 MB | 78 MB |
| Requires iOS | **9.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KFTC](https://appshunter.io/developer/370391938) | [SGI서울보증](https://appshunter.io/developer/638584684) |

## What reviewers say

### 디지털OTP

[App page](https://appshunter.io/ios/app/otp/id1129049090)

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.

**Highlights:** Digital OTP generation, Secure financial transactions, Replaces physical security cards, Supports multiple banks, Face ID authentication, Push notification alerts

**In-app purchases:** none


### SGI M(SGI서울보증)

[App page](https://appshunter.io/ios/app/sgi-msgi/id6443694425)

Manage your insurance contracts conveniently from your smartphone. Offers secure login options and electronic signing for various services, including new online-exclusive product sales. Contact customer service for assistance.

**Highlights:** Insurance contract management, Secure login via financial certificate or phone verification, Quick login with Kakao/Naver, Electronic signing with various certificates, New online-exclusive product sales

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 디지털OTP free?

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

### Is SGI M(SGI서울보증) free?

SGI M(SGI서울보증) is free to download, with no in-app purchases.

### Which has better reviews, 디지털OTP or SGI M(SGI서울보증)?

SGI M(SGI서울보증) is rated higher. 디지털OTP averages 1.6 out of 5 from 9 ratings, while SGI M(SGI서울보증) averages 2.0 from 4 ratings.

### Do 디지털OTP or SGI M(SGI서울보증) have ads?

Neither 디지털OTP nor SGI M(SGI서울보증) shows ads.

### Which is updated more often, 디지털OTP or SGI M(SGI서울보증)?

디지털OTP ships an update every 4 months, and SGI M(SGI서울보증) every 2 months. Most recently, 디지털OTP was updated on September 11, 2026 and SGI M(SGI서울보증) on September 28, 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.*