# KB Pay vs NH콕뱅크(농협)

The clearest difference is rating: KB Pay at 3.4 against NH콕뱅크(농협)'s 2.8. KB Pay also leads on review sentiment (54% vs 22%) and ratings volume (181 vs 37). NH콕뱅크(농협)'s advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

KB Pay holds the better App Store score, 3.4 against 2.8. Both are backed by a comparable volume of ratings — 181 and 37 respectively. Written reviews point the same way: 54% of KB Pay's written reviews are positive against 22% of NH콕뱅크(농협)'s.

KB Pay ships an update every 2 weeks, NH콕뱅크(농협) monthly. The most recent releases landed on October 17, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | KB Pay | NH콕뱅크(농협) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | [2.8 (37 ratings)](https://appshunter.io/ios/app/nh/id1131147442/reviews) |
| Number of ratings | **181** | 37 |
| Positive reviews | **54.4% of reviews** | 22.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 244 MB | 235 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [National Agricultural Cooperative Federation](https://appshunter.io/developer/397995605) |

## What reviewers say

### KB Pay

[App page](https://appshunter.io/ios/app/kb-pay/id695436326)

Manage all your KB cards, assets, and lifestyle services in one app. Track payments, access loans, apply for cards, and enjoy exclusive shopping and travel deals. Optimize your spending with integrated financial tools and rewards.

**Highlights:** Card payment tracking and instant payment, Loan and credit services, Shopping and travel booking, Personalized benefits and events, Payment via bank accounts and points, Expense management and memo features

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient payment processing
- 👍 User-friendly and intuitive interface
- 💳 Seamless card payment integration
- 🎁 Good rewards and points accumulation
- 🔐 Face ID and biometric authentication support

**What reviewers complain about**

- 🌍 No English language support despite claims
- 🔐 Authentication issues for overseas users
- 🐛 Frequent app crashes and freezing
- ⚠️ Complex and cluttered interface with too many features
- 🚫 Overseas residents cannot access services

**Reported bugs**

- Card reissuance authentication fails at step 2
- Card password authentication doesn't proceed
- Infinite loop when viewing event notifications
- White screen errors preventing navigation
- App lock feature causes infinite loading screen

**Requested features**

- English language support (critical for foreigners)
- Chinese and Vietnamese language support
- Simplified interface with fewer features
- Separate pay-only app for faster performance
- Dark mode option


### NH콕뱅크(농협)

[App page](https://appshunter.io/ios/app/nh/id1131147442)

This mobile banking app offers a comprehensive suite of financial and lifestyle services. It provides various banking modes tailored to different user needs, including easy transfers, account inquiries, and access to financial products. Additionally, it features shopping, payment services, and agricultural information for a one-stop digital experience.

**Highlights:** Multiple banking modes (general, large font, youth), Easy and fast money transfers, Account inquiries and open banking, Digital financial product subscriptions, Mobile cash card and QR payments, Foreign currency exchange and gifting, Bill payments and ATM withdrawals

**In-app purchases:** none


## Frequently asked questions

### Is KB Pay free?

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

### Is NH콕뱅크(농협) free?

NH콕뱅크(농협) is free to download, with no in-app purchases.

### Which has better reviews, KB Pay or NH콕뱅크(농협)?

KB Pay is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while NH콕뱅크(농협) averages 2.8 from 37 ratings.

### Do KB Pay or NH콕뱅크(농협) have ads?

KB Pay shows ads; NH콕뱅크(농협) does not.

### Which is updated more often, KB Pay or NH콕뱅크(농협)?

KB Pay ships an update every 2 weeks, and NH콕뱅크(농협) monthly. Most recently, KB Pay was updated on October 17, 2026 and NH콕뱅크(농협) on October 18, 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.*