# KB Pay vs PASS by U+

The clearest difference is rating: KB Pay at 3.4 against PASS by U+'s 1.6. KB Pay also leads on ratings volume (181 vs 7). PASS by U+'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 1.6. That said, the two scores are not equally well evidenced: KB Pay has 181 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 73% of PASS by U+'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 U+ monthly. The most recent releases landed on October 13, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | KB Pay | PASS by U+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | [1.6 (7 ratings)](https://appshunter.io/ios/app/pass-by-u-plus/id1147394645/reviews) |
| Number of ratings | **181** | 7 |
| Positive reviews | 54.4% of reviews | **73.0% 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 | 343 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [LG Uplus](https://appshunter.io/developer/372558480) |

## 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 U+

[App page](https://appshunter.io/ios/app/pass-by-u-plus/id1147394645)

Securely verify your identity and access a range of services including digital identification, financial management, and healthcare information. Manage your mobile driver's license and resident registration card, and utilize a secure digital certificate for various transactions.

**Highlights:** Mobile driver's license and resident registration card, Secure identity verification, Digital certificate for transactions, Financial asset inquiry and recommendations, Mobile payment management, Identity theft prevention service

**Features:** Safari Extension

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy authentication
- 🚀 Fast and efficient process
- 💡 Mobile ID and payment features
- 🔒 Secure and trustworthy
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Authentication failures
- 🐛 App crashes or freezes
- 🐛 UI/UX issues
- 🐛 Inconsistent performance
- 🐛 Language barriers for non-Korean speakers

**Reported bugs**

- Authentication does not proceed after password entry
- App becomes unresponsive ('bricks') after OS update
- App crashes upon launch
- Error messages like 'IP.null' or 'PPS 고객입니다. [LRZ0002347]'
- SMS authentication code not received

**Requested features**

- Improve Face ID/Biometric login stability
- Address language translation for English speakers
- Allow registration without a Korean resident number for foreigners
- Fix keyboard not appearing during password setup
- Improve compatibility with specific phone models/OS versions


## Frequently asked questions

### Is KB Pay free?

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

### Is PASS by U+ free?

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

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

KB Pay is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while PASS by U+ averages 1.6 from 7 ratings.

### Do KB Pay or PASS by U+ have ads?

KB Pay shows ads; PASS by U+ does not.

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

KB Pay ships an update every 2 weeks, and PASS by U+ monthly. Most recently, KB Pay was updated on October 13, 2026 and PASS by U+ 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.*