# NH pay(NH페이) vs 지역상품권_chak

The clearest difference is rating: 지역상품권_chak at 4.2 against NH pay(NH페이)'s 2.5. 지역상품권_chak also leads on review sentiment (88% vs 51%) and ads (none vs shown). NH pay(NH페이)'s advantage is update cadence (every 2 weeks vs every 2 months). On price, ratings volume, 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.

지역상품권_chak holds the better App Store score, 4.2 against 2.5. Both are backed by a comparable volume of ratings — 35 and 31 respectively. Written reviews point the same way: 51% of NH pay(NH페이)'s written reviews are positive against 88% of 지역상품권_chak's.

NH pay(NH페이) ships an update every 2 weeks, 지역상품권_chak every 2 months. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | NH pay(NH페이) | 지역상품권_chak |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (35 ratings)](https://appshunter.io/ios/app/nh-paynh/id1177889176/reviews) | **[4.2 (31 ratings)](https://appshunter.io/ios/app/chak/id6449449658/reviews)** |
| Number of ratings | **35** | 31 |
| Positive reviews | 51.4% of reviews | **88.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 174 MB | 46 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NH농협은행](https://appshunter.io/developer/698023007) | [한국조폐공사](https://appshunter.io/developer/938560543) |

## 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


### 지역상품권_chak

[App page](https://appshunter.io/ios/app/chak/id6449449658)

This app allows users to easily purchase, gift, and use local gift certificates through their mobile device. It supports various payment methods and offers discounts for travelers. The platform ensures secure transactions and provides a unified experience for both users and merchants.

**Highlights:** Mobile gift certificate charging, Card and QR code payments, Gift certificate gifting, Discount information for travelers, Transaction history and usage details, Merchant and user app switching

**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 지역상품권_chak free?

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

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

지역상품권_chak is rated higher. NH pay(NH페이) averages 2.5 out of 5 from 35 ratings, while 지역상품권_chak averages 4.2 from 31 ratings.

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

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

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

NH pay(NH페이) ships an update every 2 weeks, and 지역상품권_chak every 2 months. Most recently, NH pay(NH페이) was updated on October 29, 2026 and 지역상품권_chak on October 30, 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.*