# 카카오뱅크 vs NH스마트뱅킹

The clearest difference is ads: NH스마트뱅킹 at none against 카카오뱅크's shown. NH스마트뱅킹 also leads on rating (3.3 vs 2.8) and device support (3 vs 1). 카카오뱅크's advantage is review sentiment (31% vs 20%) and ratings volume (145 vs 44). On price, update cadence, in-app purchases and iOS requirement 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 2.8. Both are backed by a comparable volume of ratings — 145 and 44 respectively. Written reviews complicate that: 31% of 카카오뱅크'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.

카카오뱅크 ships an update every 3 weeks, NH스마트뱅킹 every 2 weeks. Both last shipped on October 29, 2026.

## The numbers

| Metric | 카카오뱅크 | NH스마트뱅킹 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (145 ratings)](https://appshunter.io/ios/app/id1258016944/reviews) | **[3.3 (44 ratings)](https://appshunter.io/ios/app/nh/id1444712671/reviews)** |
| Number of ratings | **145** | 44 |
| Positive reviews | **31.4% of reviews** | 19.8% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 783 MB | 152 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [KakaoBank Corp.](https://appshunter.io/developer/1258016943) | [National Agricultural Cooperative Federation](https://appshunter.io/developer/397995605) |

## What reviewers say

### 카카오뱅크

[App page](https://appshunter.io/ios/app/id1258016944)

**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 카카오뱅크 free?

카카오뱅크 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, 카카오뱅크 or NH스마트뱅킹?

NH스마트뱅킹 is rated higher. 카카오뱅크 averages 2.8 out of 5 from 145 ratings, while NH스마트뱅킹 averages 3.3 from 44 ratings.

### Do 카카오뱅크 or NH스마트뱅킹 have ads?

카카오뱅크 shows ads; NH스마트뱅킹 does not.

### Which is updated more often, 카카오뱅크 or NH스마트뱅킹?

카카오뱅크 ships an update every 3 weeks, and NH스마트뱅킹 every 2 weeks. Most recently, 카카오뱅크 was updated on October 29, 2026 and NH스마트뱅킹 on October 29, 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.*