# NICE지키미 vs 파인(PINE)

The clearest difference is rating: 파인(PINE) at 4.8 against NICE지키미's 3.7. 파인(PINE) also leads on in-app purchases (none vs 11) and update cadence (every 3 weeks vs every 2 months). NICE지키미's advantage is iOS requirement (11.0 vs 14.0). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. NICE지키미 sells 11 one-off in-app purchases. 파인(PINE) asks for nothing beyond the download.

파인(PINE) holds the better App Store score, 4.8 against 3.7. Both are backed by a comparable volume of ratings — 3 and 4 respectively. Written reviews point the same way: 48% of NICE지키미's written reviews are positive against 50% of 파인(PINE)'s.

NICE지키미 ships an update every 2 months, 파인(PINE) every 3 weeks. The most recent releases landed on September 12, 2026 and August 8, 2026 respectively.

## The numbers

| Metric | NICE지키미 | 파인(PINE) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/nice/id457816753/reviews) | **[4.8 (4 ratings)](https://appshunter.io/ios/app/pine/id1559691452/reviews)** |
| Number of ratings | 3 | **4** |
| Positive reviews | 47.8% of reviews | **50.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 91 MB | 89 MB |
| Requires iOS | **11.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NICE Information Service Co., Ltd.](https://appshunter.io/developer/375630606) | [한화자산운용(주)](https://appshunter.io/developer/1539368188) |

## 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 |


### 파인(PINE)

[App page](https://appshunter.io/ios/app/pine/id1559691452)

This app simplifies investing by offering carefully selected funds managed by experts. Enjoy low fees, easy small-amount investments, and direct communication with fund managers. Access concise financial content to make informed decisions.

**Highlights:** Expert-selected funds, Industry-low sales fees, Small-amount investing from 1,000 KRW, 5-second investment via linked accounts, Direct communication with fund managers, Concise financial content

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NICE지키미 free?

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

### Is 파인(PINE) free?

파인(PINE) is free to download, with no in-app purchases.

### Which has better reviews, NICE지키미 or 파인(PINE)?

파인(PINE) is rated higher. NICE지키미 averages 3.7 out of 5 from 3 ratings, while 파인(PINE) averages 4.8 from 4 ratings.

### Do NICE지키미 or 파인(PINE) have ads?

Neither NICE지키미 nor 파인(PINE) shows ads.

### Which is updated more often, NICE지키미 or 파인(PINE)?

NICE지키미 ships an update every 2 months, and 파인(PINE) every 3 weeks. Most recently, NICE지키미 was updated on September 12, 2026 and 파인(PINE) on August 8, 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.*