Comparison

뱅크페이 vs KB Pay

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

Head to head
About

뱅크페이

This app allows users to make payments through real-time bank transfers at mobile shopping malls and ZeroPay merchants. It leverages the financial network operated by the Korea Financial Telecommunications and Clearings Institute, along with domestic banks and securities firms, for convenient and secure mobile payments.

Highlights
  • Real-time bank transfer payments
  • ZeroPay QR code payments
  • Payment history lookup
  • Mobile shopping mall payments
  • Simple payment options
Features
Read full description

[서비스 개요] 뱅크페이는 모바일 쇼핑몰 및 제로페이 가맹점에서 물품 등을 구매시 은행 또는 증권사 계좌를 이용하여 실시간 계좌이체 방식으로 결제할 수 있는 전자결제 앱입니다. 동 서비스는 금융공동망을 구축·운영하고 있는 지급결제전문기관인 금융결제원과 국내 전 은행(다수 증권사 포함)이 모바일 환경에서의 편리하고 안전한 결제를 위해 제공하고 있습니다. [주요 서비스] · 모바일 쇼핑몰에서의 실시간 계좌이체 방식 결제(일반결제, 간편결제) · 제로페이 결제(QR코드 생성, QR코드 촬영) · 결제내역 조회(간편결제, 제로페이) [뱅크페이 앱 이용을 위한 권한 및 목적 안내] · 사진(선택) : 전자영수증 저장 · 카메라(선택) : QR코드 스캔 · Face ID(선택) : 로그인 · 알림(선택) : 앱 알림 * 선택적 접근 권한의 경우 동의하지 않으셔도 해당 서비스를 제외한 타 서비스는 이용하실 수 있습니다. - 개발사 전화번호 : 1577-5500 - 개발사 이메일 : kftc.appstore@gmail.com

About

KB Pay

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
Read full description

■ KB Pay 하나로 KB국민카드, 자산, 라이프(쇼핑/여행)까지 · 결제 금액 조회, 즉시결제, 금융(대출), 카드발급, 납부서비스 등 · 모든 KB국민카드 서비스를 하나의 KB Pay 앱에서 이용해 보세요 ■ 홈 · 고객의 상황에 맞는 최적화된 혜택정보 및 서비스 제공 ■ 듀얼홈(카드) · 카드 사용과 관련된 모든 정보를 한번에 · 카드 이용내역 조회, 즉시결제, 금융 서비스, 자동납부 등 ■ 혜택 · 맞춤형 이벤트와 제휴 이벤트를 한눈에 · 1일 1회(출석체크) 랜덤 포인트리 지급 ■ 금융 · 맞춤형 금융정보를 한눈에 · 장기/단기카드 대출, 신용대출, 자동차대출, 일부결제금액이월약정(리볼빙) 서비스 까지 ■ 결제 · 카드는 기본! 은행 계좌, 포인트리를 등록하여 카드처럼 간편하게 결제하세요 · 타임라인을 통해 이용 내역, 금융 내역, 자동 납부까지 확인을 하고 · 내가 이용한 내역을 누르면 나타나는 즉시결제, 더치페이, 메모작성 기능 등을 통해 합리적인 소비 관리를 해보세요 ■ 쇼핑/여행 · 매일 단 하루 쇼핑 특가와 위시템(한정수량) 득템 기회를 놓치지마세요 · 항공(KB Pay 앱에서는 발권 수수료 X)/숙박/렌트카 예약을 한번에! ■ 한번 더 확인해주세요 · 본인 명의 또는 당사에 등록된 휴대폰번호로 가입 가능합니다. · 안전한 금융거래를 위하여 최신버전 업데이트를 권장합니다. · 출처, 보안 설정이 불분명한 무선랜(Wi-Fi) 사용은 지양해주세요. · 이동통신망을 이용하시기 바랍니다. · 탈옥, 루팅 등 임의 개조한 단말기에서는 이용이 불가합니다. · 데이터를 이용하여 앱 다운로드/이용 시 이용료가 발생할 수 있습니다. ■ 편리한 사용을 위한 최소한의 권한을 요청합니다 [필수] · 전화: 휴대폰번호 확인 · 저장공간: 앱 컨텐츠 저장 [선택] · 카메라: KB Pay 결제, 인증을 위한 QR코드 촬용, 카드 등록 · 알림: PUSH 알림메시지 수신 · 생체정보: 결제 시 인증 및 서비스 이용의 추가인증 수단 · 위치정보: 위치기반 혜택정보 제공 · 주소록: 국내 연락처 송금 * 선택 항목의 접근 권한은 고객님께 더 나은 서비스를 제공하기 위해 사용됩니다. 허용하지 않으셔도 해당 기능 외 앱 이용이 가능합니다. * 접근권한 설정은 [설정>KB Pay] 메뉴에서 변경 가능합니다. ■ KB Pay는 고객님의 말씀을 경청합니다 · 다양한 채널을 통해 자세한 안내를 받으실 수 있습니다. · KB국민카드 홈페이지 (www.kbcard.com) · KB국민카드 콜센터 (1588-1688) · KB Pay 전용 콜센터(1644-9311)

Screenshots

뱅크페이4 screens
KB Pay4 screens

Verdict

The call

The clearest difference is rating: KB Pay at 3.4 against 뱅크페이's 1.5. KB Pay also leads on review sentiment (54% vs 15%) and update cadence (every 2 weeks vs every 3 months). 뱅크페이's advantage is monetization model (free vs free with in-app purchases) and ratings volume (1.3K vs 181). On price, in-app purchases, device support and iOS requirement 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

KB Pay holds the better App Store score, 3.4 against 1.5. That said, the two scores are not equally well evidenced: 뱅크페이 has 1.3K ratings behind it against 181, so its average is the more settled of the two. Written reviews point the same way: 15% of 뱅크페이's written reviews are positive against 54% of KB Pay's.

UpkeepUpdate frequency

뱅크페이 ships an update every 3 months, KB Pay every 2 weeks. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
뱅크페이 versus KB Pay: the parameters behind the verdict, then further details
Parameter뱅크페이KB Pay
PriceFreeFree
Rating1.5 (1.3K ratings)3.4 (181 ratings) — better
Positive reviews14.5% of reviews54.4% of reviews — better
Number of ratings1.3K — better181
Update frequencyEvery 3 monthsEvery 2 weeks — better
Ads—Yes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size11 MB244 MB
Age rating4+4+
DeveloperKFTCKB KOOKMINCARD CO., LTD.

Customer experience

뱅크페이

All ratings18 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews62 reviews
Positive14.5%
Neutral3.2%
Negative82.3%

KB Pay

All ratings181 ratings
Positive58.0%
Neutral9.4%
Negative32.6%
Written reviews182 reviews
Positive54.4%
Neutral6.6%
Negative39.0%

User reviews

뱅크페이

From 1.3K App Store ratings

Room to improve

  • 🐛 Frequent app crashes and freezes
  • ⏳ Extremely slow loading and processing times
  • 🤯 Confusing and complex user interface
  • ❌ Inability to complete basic payment processes
  • 🔒 Unnecessary and outdated authentication methods

KB Pay

From 181 App Store ratings

What we love

  • 🚀 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

Room to improve

  • 🌍 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

Bugs and requests

뱅크페이

Reported bugs

13 issues
  • App crashes when camera is turned on for QR code scanning
  • App freezes or crashes during payment process
  • Errors during OTP authentication
  • Login issues, returning to the start screen
  • Payment completion button not appearing
Show 8 more
  • ARS call authentication errors and long waiting times
  • App stuck in update loop
  • QR code generation issues
  • Inability to execute payment after successful registration
  • Input fields not working correctly (e.g., keyboard not disappearing)
  • App not launching after update
  • Error messages without clear explanations
  • Authentication failures despite correct input

Requested features

9 requests
  • Support for KakaoPay and Toss
  • Implement simpler payment methods like bank transfer
  • Improve ARS call authentication process and reduce waiting time
  • Allow use of mobile OTP
  • Improve QR code scanning functionality
Show 4 more
  • Add support for virtual account numbers
  • Increase barcode size for ZeroPay
  • Enable use of KakaoBank for account registration
  • Simplify authentication process

KB Pay

Reported bugs

13 issues
  • 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
Show 8 more
  • Card registration fails with 'too many users' error
  • PC payment code input doesn't process
  • Login errors and connection failures
  • Authentication window doesn't advance
  • Duplicate screen rendering after authentication
  • App crashes on startup
  • Error-1 operation failure
  • Name mismatch during signup

Requested features

10 requests
  • 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
Show 5 more
  • WiFi payment capability
  • Apple Pay integration
  • Alternative authentication methods for overseas users
  • Suica-like card option for travelers
  • Remove or shorten splash screen with celebrity images

In-app purchases

None

뱅크페이

No in-app purchases

None

KB Pay

No in-app purchases

Questions

Is 뱅크페이 free?
뱅크페이 is free to download, with no in-app purchases.
Is KB Pay free?
KB Pay is free to download, with no in-app purchases.
Which has better reviews, 뱅크페이 or KB Pay?
KB Pay is rated higher. 뱅크페이 averages 1.5 out of 5 from 1.3K ratings, while KB Pay averages 3.4 from 181 ratings.
Which is updated more often, 뱅크페이 or KB Pay?
뱅크페이 ships an update every 3 months, and KB Pay every 2 weeks. Most recently, 뱅크페이 was updated on October 24, 2026 and KB Pay on October 24, 2026.

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