Comparison

Gepay vs CROSS

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Gepay

This platform provides secure and verified transactions, offering government and transportation services to simplify daily tasks. It aims to save users time and effort by bringing essential services to their fingertips.

Highlights
  • Verified and trusted user environment
  • Access to government services
  • Access to transportation services
  • Secure and risk-free transactions
  • Easy payment solutions
Features
Read full description

Гэрэгэ Платформ таны гарт. Gerege аппликейшн-ийн хэрэглэгчид бүгд баталгаажсан найдвартай хэрэглэгчид байх ба энэ нь найдвартай эрсдэлгүй орчныг бүрдүүлж чаддагаараа давуу талтай юм. Бид энэхүү шинэчлэлээр онцолбол: Гэрэгэ Киоск дээрх төрийн үйлчилгээ( УБЕГ) болон АТҮТ-ийн үйлчилгээг нэвтрүүлснээр энэ түгжрэлтэй нийгэмд хэрэглэгч бүрийнхээ цаг зав, хөдөлмөрийг хөнгөвчилж чадна гэдэгт итгэлтэй байна. Хэрэглэгч таны санал шүүмж бидний цаашдын чанартай бүтээгдэхүүний хөшүүрэг болно. Цаашид нэмэгдэх өөрчлөлтүүдээр апп ашиглах заавар, зөвлөмж, илүү олон үйлчилгээ бүтээгдэхүүн, төлбөрийн хялбар шийдлүүдээр уулзацгаая. Гэрэгэ Платформыг Гэрээсээ. Gerege Platform in your hands. All users of the Gerege application are verified and trusted users, which has the advantage of creating a secure and risk-free environment. With this update: We are confident that by introducing government services (GBA) and ATS services on Gerege Kiosk, we will be able to ease the time and labor of every user in this congested society. Your feedback will be the driving force for our future quality products. Stay tuned for more updates, tips and tricks, more services, and easy payment solutions. Contract Platform from Home.

About

CROSS

This financial app helps foreigners in Korea manage their money. It offers international remittances, domestic transfers, offline payments, and public transportation access via a prepaid card. Enjoy competitive exchange rates, low fees, and multilingual customer support.

Highlights
  • International Remittance
  • Domestic Transfers
  • Offline Payments
  • Public Transportation Card
  • Prepaid Wallet Card
  • Competitive Exchange Rates
  • Multilingual Support
Features
Read full description

With 20,000 real user reviews and a 4.8 rating, CROSS is the essential financial app for foreigners in Korea! CROSS is now better than ever. With just one CROSSPAY card, you can handle overseas remittances, domestic transfers, offline payments, and public transportation—all in one place. For everyday life in Korea, CROSS is the must-have app for foreigners! Check it out now. *Some features may be limited depending on nationality, country of residence, identity verification results, or applicable laws and regulations. [NEW] Make life in Korea easier with the CROSSPAY Prepaid Wallet Card Meet CROSSPAY, a prepaid card made for foreigners in Korea that’s easy and quick to issue. Simply top up and start using it right away. Domestic Transfers: Receive money from friends or colleagues and transfer it directly to a domestic bank account. Offline Payments: Use your prepaid card for online and offline payments at stores nationwide, including convenience stores, supermarkets, and restaurants. Transportation Card: Simply tap and ride on buses, subways, and other public transportation. CROSS Shop Integration: Pay with CROSSPAY in just one second and enjoy special deals on CROSS Shop. With one CROSSPAY card, domestic transfers, offline payments, and transportation are all easier and more convenient for everyday life in Korea. CROSS, the essential app for foreigners living in Korea, brings it all together—from a prepaid card and transportation card to convenient everyday payments. [KEY SERVICES] Fast & Secure International Remittance with CROSS Trusted by over 2 million foreigners in Korea ■ Competitive Exchange Rates & Low Fees With preferential exchange rates, CROSS helps you send more money to your family back home. International remittance fees are 5,000 KRW or less for all countries, and your first remittance is free. Enjoy both better exchange rates and low fees. ■ Fast & Easy Sign-Up Anyone can complete registration in just five (5) minutes with an ID or passport. You can apply for an international remittance even without a bank account or with an expired passport. With your saved information, repeat transfers can be completed in just one (1) minute. ■ Safe & Trusted CROSS CROSS is a government-licensed international remittance provider in Korea (License No. 2020-2). When you send money through the app, the recipient safely receives the exact amount confirmed at the time of application. ■ Multilingual Customer Support Our multilingual customer support team is here to help. Whether you have questions about prepaid cards designed for foreigners or international remittances, feel free to contact us anytime. ■ CROSS Shop Shopping in Korea can be challenging, but CROSS Shop makes it easier. Shop in your own language and ask questions with ease. Find popular Korean products as well as products you know and love from your home country—all in one place. CROSS is the essential app for foreigners living in Korea. From preferential exchange rates on international remittances to CROSSPAY, enjoy domestic transfers, offline payments, transportation, and shopping—all in one app. Make everyday life in Korea easier and more convenient with CROSS! [Customer Support Center] - Telephone Inquiry: 1670-2624 - Address: 22 Hakdong-ro 7-gil, Gangnam-gu, Seoul [Service access rights] ■ (Optional) Camera: You can attach a photo or use functions such as QR code scanning. ■ (Optional) Album: You can import photos stored on the device and use functions such as address entry and QR code scanning. ■ (Optional) Microphone: Customer center telephone connection is available. ■ (Optional) Biometric information: It can be used as a means of self-authentication when logging in and making payments. ■ (Optional) Location: Based on the current location information, you can use automatic address entry and find a nearby convenience store function.

Screenshots

Gepay4 screens
CROSS4 screens

Verdict

The call

The clearest difference is review sentiment: CROSS at 99% against Gepay's 0%. CROSS also leads on rating (4.9 vs 3.9) and ratings volume (113 vs 11). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

CROSS holds the better App Store score, 4.9 against 3.9. That said, the two scores are not equally well evidenced: CROSS has 113 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 0% of Gepay's written reviews are positive against 99% of CROSS's.

UpkeepUpdate frequency

Gepay ships an update weekly, CROSS every 2 weeks. Both last shipped on November 6, 2026.

Scorecard3 real differences · 7 level
Gepay versus CROSS: the parameters behind the verdict, then further details
ParameterGepayCROSS
PriceFreeFree
Rating3.9 (11 ratings)4.9 (113 ratings) — better
Positive reviews0.0% of reviews99.4% of reviews — better
Number of ratings11113 — better
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.415.0 — better
Further details — not scored
Size36 MB180 MB
Age rating4+4+
DeveloperGerege Systems LLCCROSS ENF INC.

Customer experience

Gepay

All ratings11 ratings
Positive72.7%
Neutral0.0%
Negative27.3%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

CROSS

All ratings110 ratings
Positive98.2%
Neutral0.0%
Negative1.8%
Written reviews343 reviews
Positive99.4%
Neutral0.0%
Negative0.6%

Bugs and requests

Gepay

Not enough reviews yet to summarise bugs or requests.

CROSS

Reported bugs

3 issues
  • Initial screen requires extra step to close country selection
  • Occasional slow notification delivery
  • Point expiration date confusion

Requested features

3 requests
  • Improve initial screen flow for country selection
  • Faster cancellation and re-deposit for failed transfers
  • More clarity on point expiration dates

In-app purchases

None

Gepay

No in-app purchases

None

CROSS

No in-app purchases

Questions

Is Gepay free?
Gepay is free to download, with no in-app purchases.
Is CROSS free?
CROSS is free to download, with no in-app purchases.
Which has better reviews, Gepay or CROSS?
CROSS is rated higher. Gepay averages 3.9 out of 5 from 11 ratings, while CROSS averages 4.9 from 113 ratings.
Do Gepay or CROSS have ads?
Neither Gepay nor CROSS shows ads.
Which is updated more often, Gepay or CROSS?
Gepay ships an update weekly, and CROSS every 2 weeks. Most recently, Gepay was updated on November 6, 2026 and CROSS on November 6, 2026.

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