# NH pay(NH페이) vs NH스마트뱅킹

The clearest difference is rating: NH스마트뱅킹 at 3.3 against NH pay(NH페이)'s 2.5. NH스마트뱅킹 also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). NH pay(NH페이)'s advantage is review sentiment (51% vs 20%). On price, ratings volume, update cadence 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.

NH스마트뱅킹 holds the better App Store score, 3.3 against 2.5. Both are backed by a comparable volume of ratings — 35 and 44 respectively. Written reviews complicate that: 51% of NH pay(NH페이)'s written reviews are positive against 20% of NH스마트뱅킹's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on November 6, 2026.

## The numbers

| Metric | NH pay(NH페이) | NH스마트뱅킹 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (35 ratings)](https://appshunter.io/ios/app/nh-paynh/id1177889176/reviews) | **[3.3 (44 ratings)](https://appshunter.io/ios/app/nh/id1444712671/reviews)** |
| Number of ratings | 35 | **44** |
| Positive reviews | **51.4% of reviews** | 19.8% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 174 MB | 152 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [NH농협은행](https://appshunter.io/developer/698023007) | [National Agricultural Cooperative Federation](https://appshunter.io/developer/397995605) |

## What reviewers say

### NH pay(NH페이)

[App page](https://appshunter.io/ios/app/nh-paynh/id1177889176)

This payment and lifestyle platform allows users to easily make payments using NH cards and bank accounts. It offers a wide range of convenient services, personalized benefits, and tools for smart spending management. Users can also manage their financial information and send money for free.

**Highlights:** Easy payment with NH cards and accounts, Account payment without NH card, Online and in-person QR/barcode payments, Personalized benefits and events, Financial information overview, Free money transfer service, Spending analysis and management

**In-app purchases:** none


### NH스마트뱅킹

[App page](https://appshunter.io/ios/app/nh/id1444712671)

Manage your finances, from banking to asset management, all in one place. This app offers personalized features, easy transfers, and comprehensive financial planning tools. It also provides global banking services and 24/7 customer support.

**Highlights:** Personalized main screen with quick access to transactions, Large font mode for easier viewing, Simplified banking with easy password login and transfers, Open banking for managing accounts from other banks, Integrated asset management and financial planning, Non-face-to-face account opening and product subscriptions, Global banking services in 9 languages

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use (some users)
- 👍 Convenient for basic banking (some users)
- 👍 Improved UI over time (some users)

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🐛 Login issues and errors
- 🐛 Slow loading times
- 🐛 Inconsistent performance
- 🐛 Issues with authentication and certificates

**Reported bugs**

- App crashes frequently, especially after updates or during specific actions (e.g., sending money, taking ID photos).
- Login failures, including white screens, freezing, and error messages.
- Slow loading times, sometimes exceeding several minutes.
- Authentication issues with certificates, patterns, and phone number verification.
- App becomes unresponsive or shows only loading screens.

**Requested features**

- Improve app stability and reduce crashes
- Streamline the login and authentication process
- Optimize app performance for faster loading
- Enhance user interface and navigation for better usability
- Address issues with international access and functionality


## Frequently asked questions

### Is NH pay(NH페이) free?

NH pay(NH페이) is free to download, with no in-app purchases.

### Is NH스마트뱅킹 free?

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

### Which has better reviews, NH pay(NH페이) or NH스마트뱅킹?

NH스마트뱅킹 is rated higher. NH pay(NH페이) averages 2.5 out of 5 from 35 ratings, while NH스마트뱅킹 averages 3.3 from 44 ratings.

### Do NH pay(NH페이) or NH스마트뱅킹 have ads?

NH pay(NH페이) shows ads; NH스마트뱅킹 does not.

### Which is updated more often, NH pay(NH페이) or NH스마트뱅킹?

NH pay(NH페이) ships an update every 2 weeks, and NH스마트뱅킹 every 2 weeks. Most recently, NH pay(NH페이) was updated on November 6, 2026 and NH스마트뱅킹 on November 6, 2026.

---

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