Citibank KR vs NH스마트뱅킹
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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 )
NH스마트뱅킹
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.
- 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
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뱅킹에서 자산관리까지! NH스마트뱅킹으로 한 번에 편하게! [고객행복센터 1588-2100, 상담시간 평일 9시~18시] [주요서비스] ■ 간편하고 안전한 뱅킹 - 간편비밀번호(숫자6자리)로 로그인하면 일 500만원까지 보안매체 없이 이체가 가능해요. - 모바일OTP를 발급하면 실물 보안매체 없이 안전하게 금융거래가 가능해요. ■ 금융상품몰 - 영업점 방문없이 비대면 계좌개설이 가능해요 - 나만의 맞춤상품을 추천받고 가입할 수 있어요 ■ 퇴직연금 - MY퇴직연금, 개인형IRP 입금, 적립금 운용지시, 운용현황조회 등 퇴직연금 전용 서비스를 제공해요 ■ 음성 통합 검색 및 상담톡 - 음성으로 쉽게 스마트뱅킹의 메뉴와 콘텐츠를 검색할 수 있어요. - 궁금한 점은 언제나 24시간 잠들지 않는 상담톡으로 해결해드려요. ■ 마이페이지 - 우수고객등급, 혜택정보 등을 한눈에 확인해 보세요. [선택 접근 권한] 1. 연락처 : 이체 후 결과 문자메시지 전송, 연락처 송금 서비스 2. 사진 : 통장 사본 조회, 이체확인증 저장 3. 카메라 : 신분증 촬영, 서류 제출, QR코드 인식 4. 위치 : 영업점 찾기 서비스 5. 음성인식 : 영상통화, 상담톡, 음성검색 서비스 6. Face ID : NH인증서 로그인 * 선택 접근 권한은 해당 기능을 이용할 때 허용이 필요합니다. 허용하지 않아도 해당 기능 외의 서비스를 이용 할 수 있습니다. [접근 권한 설정] 설정 > (앱) > NH스마트뱅킹 NH농협은 앞으로도 지속적인 서비스 확대 및 기능 개선을 위해 최선을 다하겠습니다.
Screenshots
Verdict
The clearest difference is review sentiment: Citibank KR at 82% against NH스마트뱅킹's 20%. Citibank KR also leads on rating (4.5 vs 3.3) and iOS requirement (12.0 vs 15.0). NH스마트뱅킹's advantage is update cadence (every 2 weeks vs every 4 months). On price, ratings volume, 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 3.3. Both are backed by a comparable volume of ratings — 119 and 44 respectively. Written reviews point the same way: 82% of Citibank KR's written reviews are positive against 20% of NH스마트뱅킹's.
Citibank KR ships an update every 4 months, NH스마트뱅킹 every 2 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | Citibank KR | NH스마트뱅킹 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (119 ratings) — better | 3.3 (44 ratings) |
| Positive reviews | 82.2% of reviews — better | 19.8% of reviews |
| Number of ratings | 119 — better | 44 |
| Update frequency | Every 4 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 134 MB | 152 MB |
| Age rating | 9+ | 4+ |
| Developer | CITIBANK KOREA INC. | National Agricultural Cooperative Federation |
Customer experience
Citibank KR
NH스마트뱅킹
User reviews
Citibank KR
From 119 App Store ratingsWhat we love
- 👍 Simple and intuitive interface
- 🚀 Fast and efficient transactions
- 🔒 Secure login with biometrics (fingerprint, face ID)
- 💡 Snapshot feature for quick balance checks
- 💳 All-in-one app for banking and card services
Room to improve
- 🐛 Frequent bugs and errors
- 📉 App performance issues (slow, crashes)
- 🗣️ Language settings reset issue
- 🚫 Login issues (ID+password only, non-Korean names)
- ❌ Difficulty with certain banking functions (transfers, new account opening)
NH스마트뱅킹
From 44 App Store ratingsWhat we love
- 👍 Easy to use (some users)
- 👍 Convenient for basic banking (some users)
- 👍 Improved UI over time (some users)
Room to improve
- 🐛 Frequent app crashes
- 🐛 Login issues and errors
- 🐛 Slow loading times
- 🐛 Inconsistent performance
- 🐛 Issues with authentication and certificates
Bugs and 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
NH스마트뱅킹
Reported bugs
22 issues- 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.
Show 17 moreShow fewer
- Notifications not working or being delivered intermittently.
- Issues with specific device models or OS versions (e.g., iPhone 15 Pro, iOS 14).
- Problems with ID card recognition during verification.
- Saved account numbers disappearing after updates.
- Inability to log in for long-term inactive users.
- Errors during fund transfers, especially to specific accounts or after updates.
- App not working correctly outside of Korea.
- Issues with password reset loops.
- Face ID login not reverting to previous settings.
- Inability to copy certificates to new phones.
- App closes immediately upon opening on certain devices/OS versions.
- Errors during virtual account creation or inter-bank transfers.
- Push notifications not working despite being enabled.
- Login issues with ID after a specific date (Jan 28th).
- App not working on Wi-Fi only.
- Errors during investment product subscription.
- Inability to access certain menus or features after login.
Requested features
12 requests- 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
Show 7 moreShow fewer
- Fix notification delivery problems
- Ensure app works reliably after updates
- Simplify processes for account management and password resets
- Provide clearer communication about app issues and resolutions
- Offer an English language option for international users
- Reintroduce or improve multi-account transfer features
- Integrate card app functionality into the smart banking app
In-app purchases
Citibank KR
No in-app purchases
NH스마트뱅킹
No in-app purchases
