Comparison

NICE지키미 vs Floney

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

Head to head
About

NICE지키미

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
Read full description

나이스지키미 / 나이스한 금융라이프의 시작 지켜주는 금융생활, 키워주는 신용생할, 미소짓는 데이터생활 당신의 모든 데이터 생활이 나이스한 일상이 될 수 있도록 마음이 놓이는 마이데이터, 지키미로 케어 받으세요. ■ 대한민국 No.1 크레딧인프라, NICE평가정보 ▪ 대한민국 금융생활의 표준이 되는 신용점수는 단 하나 ▪ 국내 최다(最多) 기관 제휴, 약 5,800여 금융사가 참고하니까 ■ 1위 신용정보 인프라 ▪ 금융기관 비롯한 가장 많은 업권에서 수집한 정보 바탕 ▪ 대출/카드는 물론, 숨어있는 연체까지 한 눈에 ■ 신용관리 1등을 넘어 이젠 자산 관리도 1등 ▪ 앱 하나로 은행, 카드, 보험 등 현금성 자산 현황 완벽 연동 ▪ 잊기 쉬운 대출내역 자세히 조회해 더 나은 대출 상환 설계 ■ 신용점수, 필요할 때 바로 올리세요 ▪ 금융정보 뿐 아니라 비금융정보와 마이데이터까지 신용평가에 반영 ▪ 마이데이터 연동하면 눈앞에서 바로 신용점수 쾌속 상승 ■ 평가 기준, 이젠 알고 관리해야 하니까 ▪ 신용점수 형성하는 상환이력, 부채수준 등 정보 제공 ▪ 막연하게 관리하던 신용점수에 제대로 된 향상 관리 계획 부여 ■ 신용카드가 내 신용생활 레드카드 되지 않도록 ▪ 내 명의로 발급 된 카드 전수 조회, 소비 내역 파악 ▪ 소비 유형 바탕으로 카드 추천 등 개선사항 제시 ■ 개인별 신용상태를 진단해 월간 신용리포트 제공 ▪ 2주에 한 번, 평점변동 안내리포트 발송 ▪ 한 달에 한 번, 개인별 맞춤 신용리포트 발송 ■ 불법 신용조회 원천 차단 ▪ 신용정보가 조회되면 즉시 알람 전송 ▪ 금융사기가 의심될 때 신용정보조회 원천차단 ■ 연체는 스탑, 이체는 스타트 ▪ 개인신용관리 최대의 적, 신용거래 연체 ▪ 카드, 대출 결제일 맞춰 미리 이체일자 알림 서비스 ■ 신용조회 기록 없는 대출가능진단 서비스 ■ 앱 권한 및 목적 안내 ▪ 휴대전화(선택): 고객센터 전화연결 시 사용 ▪ 사진/미디어/파일(선택): 공동인증서, 사진 업로드 시 사용 ▪ 카메라(선택): 신상정보 변경, MY펫 사진 등록 시 사용 * 선택 접근 권한은 동의하지 않아도 서비스를 이용할 수 있습니다. * 휴대폰설정 > 앱 > 나이스지키미에서 접근 권한을 변경 할 수 있습니다. ■ 고객센터 - 1588-2486 (개발자 연락처: +8215882486) - 평일 9:00~18:00, 점심시간 제외 - 홈페이지: www.credit.co.kr

About

Floney

Easily track and split expenses with roommates. View all financial records at a glance, add detailed entries, and understand your spending with clear charts. Settle shared costs by calculating what each person owes or receives.

Highlights
  • View group entries, daily spending, and income
  • Add detailed expense, income, or transfer entries
  • Understand finances with charts for expenses, income, budgets, and assets
  • Settle shared costs with calculated payments
  • Use additional ledgers for different purposes
Read full description

The cleanest way to track and split expenses with your roommates — for free. • View all your records at a glance Check group entries, daily spending, and daily income directly from the home screen. See total monthly spending and income in the calendar view. • Add detailed entries with ease Use the + button in the center of the bottom bar to add or edit entries. Choose from Expense, Income, or Transfer and select the right category with simple, clear options. • Understand your finances with clear charts Track four key areas—Expenses, Income, Budgets, and Assets—using straight-line, semicircle, and bar charts. Set a budget and see how much remains, and check asset trends over time. • Settle up with recorded entries When you need to settle shared costs, load existing records and select who’s involved. Floney will calculate what each person pays or receives. • Use additional ledgers for different purposes Floney offers two ledgers so you can manage them with others or on your own. Record freely for different goals and situations. -Service Access Permissions Photos: Set ledger / profile images Camera: Set ledger / profile images Tracking Permission: Personalized ads (optional) You can still use the service without optional permissions, though some features may be limited. You can adjust permissions anytime in [iPhone Settings] > [Floney]. -Contact For any questions, email us anytime: floney.team@gmail.com

Screenshots

NICE지키미4 screens
Floney4 screens

Verdict

The call

The clearest difference is review sentiment: Floney at 100% against NICE지키미's 48%. Floney also leads on rating (5.0 vs 3.7) and update cadence (every 3 weeks vs every 2 months). NICE지키미's advantage is iOS requirement (11.0 vs 26.0). On price, ratings volume, ads and in-app purchases 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. NICE지키미 sells 11 one-off in-app purchases and Floney sells 1 in-app purchase, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Floney holds the better App Store score, 5.0 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 100% of Floney's.

UpkeepUpdate frequency

NICE지키미 ships an update every 2 months, Floney every 3 weeks. The most recent releases landed on September 12, 2026 and September 13, 2026 respectively.

Scorecard4 real differences · 6 level
NICE지키미 versus Floney: the parameters behind the verdict, then further details
ParameterNICE지키미Floney
PriceFreeFree
Rating3.7 (3 ratings)5.0 (4 ratings) — better
Positive reviews47.8% of reviews100.0% of reviews — better
Number of ratings34 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPod — betteriPhone
Requires iOS11.0 — better26.0
Further details — not scored
Size91 MB40 MB
Age rating4+4+
DeveloperNICE Information Service Co., Ltd.NAHYUN KIM

Customer experience

NICE지키미

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews23 reviews
Positive47.8%
Neutral13.0%
Negative39.1%

Floney

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews24 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

11 purchases

NICE지키미

One-time11
  • NICE지키미-신용지키미(6개월)$9.99
  • NICE지키미-신용보고서$11.99
  • NICE지키미-신용지키미(만기연장)$14.99
Show 8 more
  • NICE지키미-명의도용지키미(만기연장)$14.99
  • NICE지키미-신용지키미$15.99
  • NICE지키미-명의도용지키미$15.99
  • NICE지키미-지키미케어십$22.99
  • NICE지키미-종합신용지키미(만기연장)$24.99
  • NICE지키미-가족신용지키미 2인$25.99
  • NICE지키미-영문 신용보고서 온라인$29.99
  • NICE지키미-사업자신용지키미$48.99
1 purchases

Floney

Subscriptions1
  • floney plus$3.991 Month

Questions

Is NICE지키미 free?
NICE지키미 is free to download, with in-app purchases available.
Is Floney free?
Floney is free to download, with in-app purchases available.
Which has better reviews, NICE지키미 or Floney?
Floney is rated higher. NICE지키미 averages 3.7 out of 5 from 3 ratings, while Floney averages 5.0 from 4 ratings.
Do NICE지키미 or Floney have ads?
Neither NICE지키미 nor Floney shows ads.
Which is updated more often, NICE지키미 or Floney?
NICE지키미 ships an update every 2 months, and Floney every 3 weeks. Most recently, NICE지키미 was updated on September 12, 2026 and Floney on September 13, 2026.

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