CROSS vs Numur Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- International Remittance
- Domestic Transfers
- Offline Payments
- Public Transportation Card
- Prepaid Wallet Card
- Competitive Exchange Rates
- Multilingual Support
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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.
Numur Merchant
Access a personal line of credit up to 2 million Mongolian Tugrik. This financial service offers a flexible credit line that can be drawn upon anytime, anywhere, with repayment scheduled over a chosen period. It requires no collateral or extensive documentation after an initial contract.
- Personal line of credit
- Up to 2 million MNT limit
- Flexible repayment terms
- No collateral required
- Minimal documentation
- Easy contract for access
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Бидний эрхэм зорилго нь хүний хэрэгцээ шаардлагад нийцсэн санхүүгийн шийдэл үйлчилгээг мэдээлэл технологийн дэвшилд суурилан шуурхай, чанартай, найдвартай хүргэх билээ. Та Нөмөрийн хувийн зээлийн шугамаас өөрийнхөө нөхцөлд тохируулан зээл авах боломжтой. Хувийн зээлийн шугам (Personal Line of Credit) гэдэг нь хэзээ ч, хаанаас ч, хэдэн ч удаа 2 сая төгрөг хүртэлхи дүн бүхий өөрийн зээлийн шугам/эрхээс авч сонгосон хугацаандаа тогтмол хуваарьтай эргэн төлөх зээлийн үйлчилгээ юм. Барьцаа шаардахгүй, бичиг баримт бүрдүүлэх шаардлагагүй ба та нэг удаа гэрээ хийснээр таны эрх нээгдэх болно. Таны хувийн зээлийн шугамыг хүргэх Нөмөр Апп, Таны санхүүгийн нөмөр.
Screenshots
Verdict
The clearest difference is ratings volume: CROSS at 114 against Numur Merchant's 2. Numur Merchant's advantage is iOS requirement (13.0 vs 15.0). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 4.9 for CROSS against 5.0 for Numur Merchant. That said, the two scores are not equally well evidenced: CROSS has 114 ratings behind it against 2, so its average is the more settled of the two.
CROSS ships an update every 2 weeks, Numur Merchant every 3 weeks. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.
| Parameter | CROSS | Numur Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (114 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 99.4% of reviews | — |
| Number of ratings | 114 — better | 2 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 181 MB | 15 MB |
| Age rating | 4+ | 4+ |
| Developer | CROSS ENF INC. | Numur Credit |
Bugs and 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
Numur Merchant
Not enough reviews yet to summarise bugs or requests.
In-app purchases
CROSS
No in-app purchases
Numur Merchant
No in-app purchases
Questions
Is CROSS free?
Is Numur Merchant free?
Which has better reviews, CROSS or Numur Merchant?
Do CROSS or Numur Merchant have ads?
Which is updated more often, CROSS or Numur Merchant?
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