# 나무증권 vs 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)

The clearest difference is review sentiment: 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) at 75% against 나무증권's 37%. 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) also leads on monetization model (free vs free with in-app purchases) and rating (2.5 vs 2.3). 나무증권's advantage is update cadence (every 3 weeks vs every 4 months) and ratings volume (36 vs 2). On price, ads, in-app purchases 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.

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) holds the better App Store score, 2.5 against 2.3. That said, the two scores are not equally well evidenced: 나무증권 has 36 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 37% of 나무증권's written reviews are positive against 75% of 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)'s.

나무증권 ships an update every 3 weeks, 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) every 4 months. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | 나무증권 | 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (36 ratings)](https://appshunter.io/ios/app/nh-mts/id486312400/reviews) | **[2.5 (2 ratings)](https://appshunter.io/ios/app/pay-plus/id6479675842/reviews)** |
| Number of ratings | **36** | 2 |
| Positive reviews | 37.3% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 336 MB | 90 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NH Investment & Securities](https://appshunter.io/developer/518987888) | [비즈플레이(주)](https://appshunter.io/developer/1056025365) |

## What reviewers say

### 나무증권

[App page](https://appshunter.io/ios/app/nh-mts/id486312400)

Invest and manage your finances with ease. Automate stock purchases, track dividends, and build custom investment portfolios. Features include child account opening, customizable widgets, and a helpful chatbot for all your investment queries.

**Highlights:** Automated stock and ETF purchases, Dividend tracking and portfolio management, Customizable index creation, Child account opening, Home screen widgets for market data, IPO calendar and guides, 24/7 AI chatbot support

**Features:** Apple Watch app

**In-app purchases:** none


### 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)

[App page](https://appshunter.io/ios/app/pay-plus/id6479675842)

This platform allows users to purchase and use local gift certificates, apply for merchant status, and receive/use policy subsidies from Seoul city and its districts. It offers features for both citizens and small business owners, simplifying transactions and management.

**Highlights:** Purchase and use local gift certificates, Apply for merchant status, Receive and use policy subsidies, QR code payments and non-contact payments, Gift certificate gifting, Find affiliated merchants, Merchant management tools

**In-app purchases:** none


## Frequently asked questions

### Is 나무증권 free?

나무증권 is free to download, with no in-app purchases.

### Is 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) free?

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) is free to download, with no in-app purchases.

### Which has better reviews, 나무증권 or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)?

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) is rated higher. 나무증권 averages 2.3 out of 5 from 36 ratings, while 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) averages 2.5 from 2 ratings.

### Do 나무증권 or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) have ads?

Neither 나무증권 nor 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) shows ads.

### Which is updated more often, 나무증권 or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)?

나무증권 ships an update every 3 weeks, and 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) every 4 months. Most recently, 나무증권 was updated on October 14, 2026 and 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) on October 16, 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.*