# 뱅크페이 vs KB Pay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | 뱅크페이 | KB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.5 (1.3K ratings)](https://appshunter.io/ios/app/id398456030/reviews) | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** |
| Number of ratings | **1.3K** | 181 |
| Positive reviews | 14.5% of reviews | **54.4% of reviews** |
| In-app purchases | No | No |
| Ads | — | Yes |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 11 MB | 244 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KFTC](https://appshunter.io/developer/370391938) | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) |

## What reviewers say

### 뱅크페이

[App page](https://appshunter.io/ios/app/id398456030)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


### 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*