# 페이북/ISP vs KB Pay

The clearest difference is in-app purchases: KB Pay at none against 페이북/ISP's 1. KB Pay also leads on review sentiment (54% vs 28%). 페이북/ISP's advantage is rating (3.6 vs 3.4). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. 페이북/ISP sells 1 one-off in-app purchase. KB Pay asks for nothing beyond the download.

페이북/ISP holds the better App Store score, 3.6 against 3.4. Both are backed by a comparable volume of ratings — 514 and 181 respectively. Written reviews complicate that: 28% of 페이북/ISP's written reviews are positive against 54% of KB Pay's, so the app with the better star average is not the one people write more warmly about.

페이북/ISP ships an update fortnightly, KB Pay every 2 weeks. The most recent releases landed on September 29, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | 페이북/ISP | KB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (514 ratings)](https://appshunter.io/ios/app/isp/id369125087/reviews)** | [3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews) |
| Number of ratings | **514** | 181 |
| Positive reviews | 27.5% of reviews | **54.4% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | Yes |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 488 MB | 244 MB |
| Requires iOS | 15.8 | **15.0** |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VP Inc.](https://appshunter.io/developer/366728012) | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) |

## What reviewers say

### 페이북/ISP

[App page](https://appshunter.io/ios/app/isp/id369125087)

Manage your finances with personalized benefits, investment opportunities, and smart financial product comparisons. Customize your home screen, track card usage, and discover tailored discounts and rewards. Invest in global markets and stocks with expert picks.

**Highlights:** Personalized benefits and rewards, Investment opportunities (overseas, stocks), Financial product comparison (cards, loans, insurance), Customizable home screen, Card usage and benefit tracking, QR payment via smartwatch

**Features:** Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 안전결제 프리미엄 서비스 1년이용권 | $5.99 | one-time |

**What reviewers like**

- 👍 Convenient QR code payment
- 💡 Continuous discount events
- 🚀 Quick and easy to use

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔋 High data consumption
- 🤔 Confusing and cluttered UI
- 🔒 Lack of biometric login support
- 🙅‍♀️ Difficult for overseas users

**Reported bugs**

- Errors during payment process
- Inability to register non-Korean phone numbers
- Incompatibility with certain devices/OS versions

**Requested features**

- Support for face ID/fingerprint login
- Improved performance and stability
- More user-friendly interface design
- Better support for overseas users


### KB Pay

[App page](https://appshunter.io/ios/app/kb-pay/id695436326)

Manage all your KB cards, assets, and lifestyle services in one app. Track payments, access loans, apply for cards, and enjoy exclusive shopping and travel deals. Optimize your spending with integrated financial tools and rewards.

**Highlights:** Card payment tracking and instant payment, Loan and credit services, Shopping and travel booking, Personalized benefits and events, Payment via bank accounts and points, Expense management and memo features

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient payment processing
- 👍 User-friendly and intuitive interface
- 💳 Seamless card payment integration
- 🎁 Good rewards and points accumulation
- 🔐 Face ID and biometric authentication support

**What reviewers complain about**

- 🌍 No English language support despite claims
- 🔐 Authentication issues for overseas users
- 🐛 Frequent app crashes and freezing
- ⚠️ Complex and cluttered interface with too many features
- 🚫 Overseas residents cannot access services

**Reported bugs**

- Card reissuance authentication fails at step 2
- Card password authentication doesn't proceed
- Infinite loop when viewing event notifications
- White screen errors preventing navigation
- App lock feature causes infinite loading screen

**Requested features**

- English language support (critical for foreigners)
- Chinese and Vietnamese language support
- Simplified interface with fewer features
- Separate pay-only app for faster performance
- Dark mode option


## Frequently asked questions

### Is 페이북/ISP free?

페이북/ISP is free to download, with in-app purchases available.

### Is KB Pay free?

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

### Which has better reviews, 페이북/ISP or KB Pay?

페이북/ISP is rated higher. 페이북/ISP averages 3.6 out of 5 from 514 ratings, while KB Pay averages 3.4 from 181 ratings.

### Do 페이북/ISP or KB Pay have ads?

Both 페이북/ISP and KB Pay show ads.

### Which is updated more often, 페이북/ISP or KB Pay?

페이북/ISP ships an update fortnightly, and KB Pay every 2 weeks. Most recently, 페이북/ISP was updated on September 29, 2026 and KB Pay on October 1, 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.*