# NICE지키미 vs PASS by SKT

The clearest difference is rating: NICE지키미 at 3.7 against PASS by SKT's 2.6. NICE지키미 also leads on iOS requirement (13.0 vs 15.0). PASS by SKT's advantage is in-app purchases (none vs 11) and ratings volume (87 vs 3). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. NICE지키미 sells 11 one-off in-app purchases. PASS by SKT asks for nothing beyond the download.

NICE지키미 holds the better App Store score, 3.7 against 2.6. That said, the two scores are not equally well evidenced: PASS by SKT has 87 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 50% of NICE지키미's written reviews are positive against 65% of PASS by SKT's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 months. Both last shipped on October 29, 2026.

## The numbers

| Metric | NICE지키미 | PASS by SKT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/nice/id457816753/reviews)** | [2.6 (87 ratings)](https://appshunter.io/ios/app/pass-by-skt/id1141258007/reviews) |
| Number of ratings | 3 | **87** |
| Positive reviews | 50.0% of reviews | **65.1% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 60 MB | 268 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NICE Information Service Co., Ltd.](https://appshunter.io/developer/375630606) | [SK Telecom](https://appshunter.io/developer/329992155) |

## What reviewers say

### NICE지키미

[App page](https://appshunter.io/ios/app/nice/id457816753)

Manage your credit score and financial life with this app. It connects to various financial institutions to provide a comprehensive view of your assets and debts. Receive personalized reports and alerts to improve your creditworthiness and prevent financial fraud.

**Highlights:** Credit score management, Asset integration (banks, cards, insurance), Loan and debt overview, Personalized credit reports, Real-time credit inquiry alerts, Payment due date reminders, Loan eligibility diagnosis

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| NICE지키미-신용지키미(6개월) | $9.99 | one-time |
| NICE지키미-신용보고서 | $11.99 | one-time |
| NICE지키미-신용지키미(만기연장) | $14.99 | one-time |
| NICE지키미-명의도용지키미(만기연장) | $14.99 | one-time |
| NICE지키미-신용지키미 | $15.99 | one-time |
| NICE지키미-명의도용지키미 | $15.99 | one-time |
| NICE지키미-지키미케어십 | $22.99 | one-time |
| NICE지키미-종합신용지키미(만기연장) | $24.99 | one-time |
| NICE지키미-가족신용지키미 2인 | $25.99 | one-time |
| NICE지키미-영문 신용보고서 온라인 | $29.99 | one-time |
| NICE지키미-사업자신용지키미 | $48.99 | one-time |


### PASS by SKT

[App page](https://appshunter.io/ios/app/pass-by-skt/id1141258007)

This app offers a comprehensive suite of services beyond simple authentication. It includes digital identity verification, secure certificate issuance, mobile identification, and financial management tools. Users can also access health information, lifestyle services, and mobile payment options.

**Highlights:** Digital identity verification, Mobile driver's license and resident registration card, Secure digital certificate issuance, Financial management and investment information, Mobile payment and content fee management, Phishing and identity theft protection, Smart ticket for airport access

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient authentication
- 🚀 Fast and simple verification
- 🔒 Secure login with biometrics
- 💡 Time-saving for frequent verifications
- ✅ Useful for various online services

**What reviewers complain about**

- ❌ Forced default app for documents
- ❌ Difficult to change default app settings
- ❌ App not foreigner-friendly
- ❌ Mandatory additional service promotion
- ❌ Issues with verification and login

**Reported bugs**

- App crashes or closes immediately upon opening
- Cannot delete the app
- App forces itself as the default for document files
- Verification fails even with app installed
- Cannot reset password after phone reset

**Requested features**

- Allow changing default app for documents
- Improve QR code recognition rate
- Provide English translation for the app
- Add option to disable confirmation prompts for biometric login
- Allow manual input of email for support inquiries


## Frequently asked questions

### Is NICE지키미 free?

NICE지키미 is free to download, with in-app purchases available.

### Is PASS by SKT free?

PASS by SKT is free to download, with no in-app purchases.

### Which has better reviews, NICE지키미 or PASS by SKT?

NICE지키미 is rated higher. NICE지키미 averages 3.7 out of 5 from 3 ratings, while PASS by SKT averages 2.6 from 87 ratings.

### Do NICE지키미 or PASS by SKT have ads?

Neither NICE지키미 nor PASS by SKT shows ads.

### Which is updated more often, NICE지키미 or PASS by SKT?

NICE지키미 ships an update every 2 months, and PASS by SKT every 2 months. Most recently, NICE지키미 was updated on October 29, 2026 and PASS by SKT on October 29, 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.*