KCGI펀드투자 (구)메리츠 펀드투자 vs NH스마트뱅킹
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KCGI펀드투자 (구)메리츠 펀드투자
Invest in KCGI funds easily without visiting a branch. Offers funds for children's financial independence, retirement planning for salarymen, and stable income for seniors. Low operating fees and direct app-based subscription available.
- Invest in KCGI funds directly
- Funds for children, salarymen, and seniors
- Low operating fees
- Available 8 AM - 11 PM daily
- Account inquiry and fund subscription
- First in domestic asset management with app subscription
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반갑습니다. KGCI자산운용의 펀드 투자 서비스입니다. 이제 영업점 방문 없이도 손쉽게 KCGI펀드에 투자하실 수 있습니다!! [KCGI의 Simple Choice] 1. KCGI주니어펀드 : 대한민국 자녀들의 경제적 독립을 통해 풍요로운 미래를 설계하세요. 2. KCGI샐러리맨펀드 : 샐러리맨의 은퇴 준비를 위해 “월급으로 부자되기” 프로젝트를 시작해 보세요. 3. KCGI시니어펀드 : 은퇴를 하셨거나 은퇴를 앞두고 노후자산의 가치는 유지하며, 안정적인 현금 흐름을 계획하실 경우 가입하세요. [이용가능 시간] 매일 08:00~23:00 [KCGI펀드투자 앱 이용 안내] 처음 오신분은 애니메이션 안내 동영상을 참고해주세요. 계좌개설시 발급된 ID/PW로 로그인하신 후 펀드가입, 계좌조회 등 서비스를 이용하실 수 있습니다. KCGI자산운용은 “KCGI주니어펀드”, “KCGI시니어펀드”에 이어 “KCGI샐러리맨펀드”를 출시함으로써 대한민국의 온 가족이 연령별로 경제 독립과 노후 준비를 할 수 있는 기반을 마련하였습니다. 장기투자를 유도하고자 운용수수료를 낮추었으며, 국내 자산운용사 최초로 스마트폰 앱을 통해 현저히 낮은 수수료로 직접 펀드를 가입하실 수 있습니다. [고객유의사항] 일부 저사양 단말기에서는 서비스 이용이 제한될 수 있습니다. [시스템 요구 사항] iOS iPhone 6S 이상 버전 지원
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 rating: KCGI펀드투자 (구)메리츠 펀드투자 at 5.0 against NH스마트뱅킹's 3.3. KCGI펀드투자 (구)메리츠 펀드투자 also leads on iOS requirement (13.0 vs 15.0). NH스마트뱅킹's advantage is update cadence (every 2 weeks vs every 3 months) and review sentiment (20% vs 0%). On price, ads, in-app purchases and monetization model 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.
KCGI펀드투자 (구)메리츠 펀드투자 holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: NH스마트뱅킹 has 44 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 0% of KCGI펀드투자 (구)메리츠 펀드투자'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.
KCGI펀드투자 (구)메리츠 펀드투자 ships an update every 3 months, NH스마트뱅킹 every 2 weeks. The most recent releases landed on October 2, 2026 and October 10, 2026 respectively.
| Parameter | KCGI펀드투자 (구)메리츠 펀드투자 | NH스마트뱅킹 |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.3 (44 ratings) |
| Positive reviews | 0.0% of reviews | 19.8% of reviews — better |
| Number of ratings | 2 | 44 — better |
| Update frequency | Every 3 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 | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 71 MB | 144 MB |
| Age rating | 4+ | 4+ |
| Developer | MERITZ Asset Management Co., Ltd. | National Agricultural Cooperative Federation |
Customer experience
KCGI펀드투자 (구)메리츠 펀드투자
NH스마트뱅킹
Bugs and requests
KCGI펀드투자 (구)메리츠 펀드투자
Not enough reviews yet to summarise bugs or requests.
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.
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- 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
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- 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
KCGI펀드투자 (구)메리츠 펀드투자
No in-app purchases
NH스마트뱅킹
No in-app purchases
