Comparison

NH스마트뱅킹 vs 충남상품권 chak

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

Head to head
About

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.

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
Read full description

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.

About

충남상품권 chak

This app allows users to easily purchase, gift, and use regional gift certificates for various areas within Chungcheongnam-do. It offers convenient mobile charging, payment options like QR codes, and secure authentication methods. Users can also track their transaction history and find participating merchants.

Highlights
  • Purchase and gift regional gift certificates
  • Mobile charging via bank account
  • QR code and card payment options
  • Transaction history tracking
  • Find participating merchants
  • Secure biometric authentication
Features
Read full description

충청남도 지역 밀착 플랫폼, 내 생활에 밀chak(착)! 지역사랑상품권 결제 chak(착)! 대한민국 지역경제의 미래와 내일을 위한 즐거운 변화: Change for Korea, 지역상품권 chak 충청남도의 지역사랑상품권, 이제 "충남상품권 chak"을 통해 만나보실 수 있습니다. ■ 충청남도 지역의 지역상품권을 한번에 착! - 고향에 계신 부모님의 휴대 전화번호로 상품권 선물이 가능합니다. - 친구, 가족들과 충청남도로 여행갈 때 지역상품권 할인 (4%~10%)을 꼭 확인하세요! - 충청남도 사용 가능 지역(상품권명) 보령(보령사랑상품권), 아산(아산사랑상품권), 서산(서산사랑상품권), 논산(논산사랑상품권), 계룡(계룡사랑상품권), 당진(당진사랑상품권), 금산(금산사랑상품권), 서천(서천사랑상품권), 청양(청약사랑상품권), 홍성(홍성사랑상품권), 예산(예산사랑상품권), 태안(태안사랑상품권) ■ 손쉽고 편리하게 착! - 은행계좌를 연결하여 모바일로 지역사랑상품권을 충전하세요. - 사용하실 지역의 정책에 따라 카드결제 또는 QR결제로 편리하게 사용하세요. - 상품권 이용내역과 사용처에 대한 정보는 모바일 앱을 통해 손쉽게 확인할 수 있습니다. - QR결제 방법안내 : 가맹점 QR 결제키트 스캔 (촬영) > 결제금액 입력 > 결제완료 ■ 안전하게 착! - 생체인증(지문, FaceID 및 패턴)과 간편비밀번호로 안전하게 결제합니다. - 상품권을 발행하는 지자체와 화폐를 만드는 한국조폐공사가 여러분의 가치를 지켜드립니다. ■ 앱 접근 권한 안내 - (선택) 파일 및 미디어 : 사진 또는 파일 첨부 - (선택) 카메라 : QR코드 스캔 및 사진찍기 - (선택) 연락처 : 연락처를 이용한 선물하기 - (선택) 위치 : 가맹점 찾기 - (선택) 알림 : 모바일상품권 결제 및 공지사항 알림 등 - (선택) 신체센서 : 로그인 인증수단 ※선택 접근 권한을 허용하지 않아도 해당 권한의 기능을 제외한 chak서비스를 이용할 수 있습니다. ■ 고객센터 : 1577-4321 / (평일)09시~18시

Screenshots

NH스마트뱅킹4 screens
충남상품권 chak4 screens

Verdict

The call

The clearest difference is review sentiment: 충남상품권 chak at 95% against NH스마트뱅킹's 20%. NH스마트뱅킹's advantage is rating (3.3 vs 1.0) and ratings volume (44 vs 1). 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

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

NH스마트뱅킹 holds the better App Store score, 3.3 against 1.0. That said, the two scores are not equally well evidenced: NH스마트뱅킹 has 44 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 20% of NH스마트뱅킹's written reviews are positive against 95% of 충남상품권 chak's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

NH스마트뱅킹 ships an update every 2 weeks, 충남상품권 chak every 2 months. The most recent releases landed on September 26, 2026 and September 18, 2026 respectively.

Scorecard4 real differences · 6 level
NH스마트뱅킹 versus 충남상품권 chak: the parameters behind the verdict, then further details
ParameterNH스마트뱅킹충남상품권 chak
PriceFreeFree
Rating3.3 (44 ratings) — better1.0 (1 ratings)
Positive reviews19.8% of reviews95.0% of reviews — better
Number of ratings44 — better1
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size144 MB45 MB
Age rating4+4+
DeveloperNational Agricultural Cooperative Federation한국조폐공사

Customer experience

NH스마트뱅킹

All ratings44 ratings
Positive52.3%
Neutral11.4%
Negative36.4%
Written reviews106 reviews
Positive19.8%
Neutral7.5%
Negative72.6%

충남상품권 chak

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews20 reviews
Positive95.0%
Neutral5.0%
Negative0.0%

Bugs and 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.
Show 17 more
  • 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
Show 7 more
  • 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

충남상품권 chak

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

NH스마트뱅킹

No in-app purchases

None

충남상품권 chak

No in-app purchases

Questions

Is NH스마트뱅킹 free?
NH스마트뱅킹 is free to download, with no in-app purchases.
Is 충남상품권 chak free?
충남상품권 chak is free to download, with no in-app purchases.
Which has better reviews, NH스마트뱅킹 or 충남상품권 chak?
NH스마트뱅킹 is rated higher. NH스마트뱅킹 averages 3.3 out of 5 from 44 ratings, while 충남상품권 chak averages 1.0 from 1 ratings.
Do NH스마트뱅킹 or 충남상품권 chak have ads?
Neither NH스마트뱅킹 nor 충남상품권 chak shows ads.
Which is updated more often, NH스마트뱅킹 or 충남상품권 chak?
NH스마트뱅킹 ships an update every 2 weeks, and 충남상품권 chak every 2 months. Most recently, NH스마트뱅킹 was updated on September 26, 2026 and 충남상품권 chak on September 18, 2026.

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