# Citibank KR vs NH스마트뱅킹

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.

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 26, 2026 respectively.

## The numbers

| Metric | Citibank KR | NH스마트뱅킹 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (119 ratings)](https://appshunter.io/ios/app/citibank-kr/id1179759666/reviews)** | [3.3 (44 ratings)](https://appshunter.io/ios/app/nh/id1444712671/reviews) |
| Number of ratings | **119** | 44 |
| Positive reviews | **82.2% of reviews** | 19.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 134 MB | 152 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [CITIBANK KOREA INC.](https://appshunter.io/developer/373559496) | [National Agricultural Cooperative Federation](https://appshunter.io/developer/397995605) |

## What reviewers say

### Citibank KR

[App page](https://appshunter.io/ios/app/citibank-kr/id1179759666)

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.

**Highlights:** Hassle-free registration, Simplified transfers, Smart notifications, Mobile chat support, Full banking capabilities, Enhanced safety features

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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)

**Reported bugs**

- 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

**Requested features**

- 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


### 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 Citibank KR free?

Citibank KR 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, Citibank KR or NH스마트뱅킹?

Citibank KR is rated higher. Citibank KR averages 4.5 out of 5 from 119 ratings, while NH스마트뱅킹 averages 3.3 from 44 ratings.

### Do Citibank KR or NH스마트뱅킹 have ads?

Neither Citibank KR nor NH스마트뱅킹 shows ads.

### Which is updated more often, Citibank KR or NH스마트뱅킹?

Citibank KR ships an update every 4 months, and NH스마트뱅킹 every 2 weeks. Most recently, Citibank KR was updated on October 24, 2026 and NH스마트뱅킹 on October 26, 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.*