# NH스마트뱅킹 vs 고향사랑페이

The clearest difference is update cadence: NH스마트뱅킹 at every 2 weeks against 고향사랑페이's every 2 months. 고향사랑페이's advantage is iOS requirement (12.0 vs 15.0). On price, review sentiment, 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.

NH스마트뱅킹 ships an update every 2 weeks, 고향사랑페이 every 2 months. The most recent releases landed on October 26, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | NH스마트뱅킹 | 고향사랑페이 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (44 ratings)](https://appshunter.io/ios/app/nh/id1444712671/reviews)** | — |
| Number of ratings | **44** | — |
| Positive reviews | 19.8% of reviews | **22.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 152 MB | 70 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [National Agricultural Cooperative Federation](https://appshunter.io/developer/397995605) | [Nice Information & Telecommunication Inc](https://appshunter.io/developer/1146369439) |

## What reviewers say

### 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


### 고향사랑페이

[App page](https://appshunter.io/ios/app/id1491744019)

**In-app purchases:** none


## Frequently asked questions

### Is NH스마트뱅킹 free?

NH스마트뱅킹 is free to download, with no in-app purchases.

### Is 고향사랑페이 free?

고향사랑페이 is free to download, with no in-app purchases.

### Do NH스마트뱅킹 or 고향사랑페이 have ads?

Neither NH스마트뱅킹 nor 고향사랑페이 shows ads.

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

NH스마트뱅킹 ships an update every 2 weeks, and 고향사랑페이 every 2 months. Most recently, NH스마트뱅킹 was updated on October 26, 2026 and 고향사랑페이 on October 14, 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.*