# NH pay(NH페이) vs 신용플러스

The clearest difference is ads: 신용플러스 at none against NH pay(NH페이)'s shown. 신용플러스 also leads on monetization model (free vs free with in-app purchases) and review sentiment (67% vs 51%). NH pay(NH페이)'s advantage is update cadence (every 2 weeks vs every 21 months). On price, in-app purchases and device support there is nothing between them.

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

NH pay(NH페이) ships an update every 2 weeks, 신용플러스 every 21 months. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | NH pay(NH페이) | 신용플러스 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.5 (35 ratings)](https://appshunter.io/ios/app/nh-paynh/id1177889176/reviews)** | — |
| Number of ratings | **35** | — |
| Positive reviews | 51.4% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 21 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 174 MB | 15 MB |
| Requires iOS | 15.0 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NH농협은행](https://appshunter.io/developer/698023007) | [신용회복위원회](https://appshunter.io/developer/1478216020) |

## 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


### 신용플러스

[App page](https://appshunter.io/ios/app/creditplus/id1665482651)

Access free, professional credit counseling and self-assessment tools. Get expert advice on debt management, credit recovery, and financial planning. Stay informed with the latest credit news and educational resources.

**Highlights:** Free credit counseling sessions, Credit self-assessment tools, Expert Q&A on debt and credit, Improve credit score with non-financial data, Credit education videos and news, Community forum for credit concerns

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

**In-app purchases:** none


## Frequently asked questions

### Is NH pay(NH페이) free?

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

### Is 신용플러스 free?

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

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

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

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

NH pay(NH페이) ships an update every 2 weeks, and 신용플러스 every 21 months. Most recently, NH pay(NH페이) was updated on November 11, 2026 and 신용플러스 on November 3, 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.*