# KB Pay vs NH pay(NH페이)

The clearest difference is rating: KB Pay at 3.4 against NH pay(NH페이)'s 2.5. KB Pay also leads on ratings volume (181 vs 35). On price, review sentiment, update cadence and ads 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 2.5. That said, the two scores are not equally well evidenced: KB Pay has 181 ratings behind it against 35, so its average is the more settled of the two. Written reviews point the same way: 54% of KB Pay's written reviews are positive against 51% of NH pay(NH페이)'s.

Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on November 1, 2026.

## The numbers

| Metric | KB Pay | NH pay(NH페이) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | [2.5 (35 ratings)](https://appshunter.io/ios/app/nh-paynh/id1177889176/reviews) |
| Number of ratings | **181** | 35 |
| Positive reviews | **54.4% of reviews** | 51.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 249 MB | 174 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) | [NH농협은행](https://appshunter.io/developer/698023007) |

## 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


### NH pay(NH페이)

[App page](https://appshunter.io/ios/app/nh-paynh/id1177889176)

This payment and lifestyle platform allows users to easily make payments using NH cards and bank accounts. It offers a wide range of convenient services, personalized benefits, and tools for smart spending management. Users can also manage their financial information and send money for free.

**Highlights:** Easy payment with NH cards and accounts, Account payment without NH card, Online and in-person QR/barcode payments, Personalized benefits and events, Financial information overview, Free money transfer service, Spending analysis and management

**In-app purchases:** none


## Frequently asked questions

### Is KB Pay free?

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

### Is NH pay(NH페이) free?

NH pay(NH페이) is free to download, with no in-app purchases.

### Which has better reviews, KB Pay or NH pay(NH페이)?

KB Pay is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while NH pay(NH페이) averages 2.5 from 35 ratings.

### Do KB Pay or NH pay(NH페이) have ads?

Both KB Pay and NH pay(NH페이) show ads.

### Which is updated more often, KB Pay or NH pay(NH페이)?

KB Pay ships an update every 2 weeks, and NH pay(NH페이) every 2 weeks. Most recently, KB Pay was updated on November 1, 2026 and NH pay(NH페이) on November 1, 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.*