# 페이북/ISP vs 하나Pay(하나카드)

The clearest difference is rating: 하나Pay(하나카드) at 4.4 against 페이북/ISP's 3.6. 하나Pay(하나카드) also leads on in-app purchases (none vs 1) and ads (none vs shown). 페이북/ISP's advantage is update cadence (fortnightly vs every 5 weeks). On price, review sentiment, ratings volume and monetization model there is nothing between them.

Both are free to download. 페이북/ISP sells 1 one-off in-app purchase. 하나Pay(하나카드) asks for nothing beyond the download.

하나Pay(하나카드) holds the better App Store score, 4.4 against 3.6. Both are backed by a comparable volume of ratings — 514 and 695 respectively. Written reviews complicate that: 28% of 페이북/ISP's written reviews are positive against 24% of 하나Pay(하나카드)'s, so the app with the better star average is not the one people write more warmly about.

페이북/ISP ships an update fortnightly, 하나Pay(하나카드) every 5 weeks. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | 페이북/ISP | 하나Pay(하나카드) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (514 ratings)](https://appshunter.io/ios/app/isp/id369125087/reviews) | **[4.4 (695 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** |
| Number of ratings | 514 | **695** |
| Positive reviews | **27.5% of reviews** | 24.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 488 MB | 222 MB |
| Requires iOS | 15.8 | **13.0** |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VP Inc.](https://appshunter.io/developer/366728012) | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) |

## 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


### 하나Pay(하나카드)

[App page](https://appshunter.io/ios/app/pay/id847268987)

Manage your finances with a single card app. Make faster payments via QR/barcode or widgets, view all your financial information at a glance, and receive personalized benefits and event notifications. It also offers expense management and fund transfers.

**Highlights:** QR/barcode payments without password/fingerprint, Widget and home screen shortcuts for quick payments, AI-powered personalized menu suggestions, All financial information at a glance, Expense management and spending analysis, Account inquiry and fund transfers, Personalized benefits and event notifications

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Quick and efficient
- 💡 Useful features like KTX discounts and Kakao Taxi integration

**What reviewers complain about**

- 🐛 Slow and unresponsive app
- 🔒 Lack of support for other languages, especially English
- 🔍 Confusing and cluttered UI/UX
- 🔌 Poor performance when used abroad

**Reported bugs**

- Frequent crashes and freezes
- Issues with account registration and authentication
- Incompatibility with certain devices and operating systems

**Requested features**

- Add English language support
- Improve app speed and responsiveness
- Simplify and streamline the UI
- Provide better support for overseas users


## Frequently asked questions

### Is 페이북/ISP free?

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

### Is 하나Pay(하나카드) free?

하나Pay(하나카드) is free to download, with no in-app purchases.

### Which has better reviews, 페이북/ISP or 하나Pay(하나카드)?

하나Pay(하나카드) is rated higher. 페이북/ISP averages 3.6 out of 5 from 514 ratings, while 하나Pay(하나카드) averages 4.4 from 695 ratings.

### Do 페이북/ISP or 하나Pay(하나카드) have ads?

페이북/ISP shows ads; 하나Pay(하나카드) does not.

### Which is updated more often, 페이북/ISP or 하나Pay(하나카드)?

페이북/ISP ships an update fortnightly, and 하나Pay(하나카드) every 5 weeks. Most recently, 페이북/ISP was updated on September 24, 2026 and 하나Pay(하나카드) on September 23, 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.*