# KB Pay vs PASS by SKT

The clearest difference is rating: KB Pay at 3.4 against PASS by SKT's 2.6. KB Pay also leads on update cadence (every 2 weeks vs every 2 months). PASS by SKT's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, 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 2.6. Both are backed by a comparable volume of ratings — 181 and 87 respectively. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 65% of PASS by SKT's, so the app with the better star average is not the one people write more warmly about.

KB Pay ships an update every 2 weeks, PASS by SKT every 2 months. Both last shipped on November 6, 2026.

## The numbers

| Metric | KB Pay | PASS by SKT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | [2.6 (87 ratings)](https://appshunter.io/ios/app/pass-by-skt/id1141258007/reviews) |
| Number of ratings | **181** | 87 |
| Positive reviews | 54.4% of reviews | **65.1% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 249 MB | 268 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [SK Telecom](https://appshunter.io/developer/329992155) |

## 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


### PASS by SKT

[App page](https://appshunter.io/ios/app/pass-by-skt/id1141258007)

This app offers a comprehensive suite of services beyond simple authentication. It includes digital identity verification, secure certificate issuance, mobile identification, and financial management tools. Users can also access health information, lifestyle services, and mobile payment options.

**Highlights:** Digital identity verification, Mobile driver's license and resident registration card, Secure digital certificate issuance, Financial management and investment information, Mobile payment and content fee management, Phishing and identity theft protection, Smart ticket for airport access

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient authentication
- 🚀 Fast and simple verification
- 🔒 Secure login with biometrics
- 💡 Time-saving for frequent verifications
- ✅ Useful for various online services

**What reviewers complain about**

- ❌ Forced default app for documents
- ❌ Difficult to change default app settings
- ❌ App not foreigner-friendly
- ❌ Mandatory additional service promotion
- ❌ Issues with verification and login

**Reported bugs**

- App crashes or closes immediately upon opening
- Cannot delete the app
- App forces itself as the default for document files
- Verification fails even with app installed
- Cannot reset password after phone reset

**Requested features**

- Allow changing default app for documents
- Improve QR code recognition rate
- Provide English translation for the app
- Add option to disable confirmation prompts for biometric login
- Allow manual input of email for support inquiries


## Frequently asked questions

### Is KB Pay free?

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

### Is PASS by SKT free?

PASS by SKT is free to download, with no in-app purchases.

### Which has better reviews, KB Pay or PASS by SKT?

KB Pay is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while PASS by SKT averages 2.6 from 87 ratings.

### Do KB Pay or PASS by SKT have ads?

KB Pay shows ads; PASS by SKT does not.

### Which is updated more often, KB Pay or PASS by SKT?

KB Pay ships an update every 2 weeks, and PASS by SKT every 2 months. Most recently, KB Pay was updated on November 6, 2026 and PASS by SKT on November 6, 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.*