# NICE지키미 vs SGI M(SGI서울보증)

The clearest difference is rating: NICE지키미 at 3.7 against SGI M(SGI서울보증)'s 2.6. NICE지키미 also leads on iOS requirement (11.0 vs 13.0). SGI M(SGI서울보증)'s advantage is in-app purchases (none vs 11). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

NICE지키미 holds the better App Store score, 3.7 against 2.6. Both are backed by a comparable volume of ratings — 3 and 5 respectively. Written reviews complicate that: 48% of NICE지키미's written reviews are positive against 52% of SGI M(SGI서울보증)'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. The most recent releases landed on October 1, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | NICE지키미 | SGI M(SGI서울보증) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/nice/id457816753/reviews)** | [2.6 (5 ratings)](https://appshunter.io/ios/app/sgi-msgi/id6443694425/reviews) |
| Number of ratings | 3 | **5** |
| Positive reviews | 47.8% of reviews | **52.2% 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 | 91 MB | 80 MB |
| Requires iOS | **11.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NICE Information Service Co., Ltd.](https://appshunter.io/developer/375630606) | [SGI서울보증](https://appshunter.io/developer/638584684) |

## 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 |


### SGI M(SGI서울보증)

[App page](https://appshunter.io/ios/app/sgi-msgi/id6443694425)

Manage your insurance contracts conveniently from your smartphone. Offers secure login options and electronic signing for various services, including new online-exclusive product sales. Contact customer service for assistance.

**Highlights:** Insurance contract management, Secure login via financial certificate or phone verification, Quick login with Kakao/Naver, Electronic signing with various certificates, New online-exclusive product sales

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NICE지키미 free?

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

### Is SGI M(SGI서울보증) free?

SGI M(SGI서울보증) is free to download, with no in-app purchases.

### Which has better reviews, NICE지키미 or SGI M(SGI서울보증)?

NICE지키미 is rated higher. NICE지키미 averages 3.7 out of 5 from 3 ratings, while SGI M(SGI서울보증) averages 2.6 from 5 ratings.

### Do NICE지키미 or SGI M(SGI서울보증) have ads?

Neither NICE지키미 nor SGI M(SGI서울보증) shows ads.

### Which is updated more often, NICE지키미 or SGI M(SGI서울보증)?

NICE지키미 ships an update every 2 months, and SGI M(SGI서울보증) every 2 months. Most recently, NICE지키미 was updated on October 1, 2026 and SGI M(SGI서울보증) on October 13, 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.*