# KB Pay vs 리브똑똑 (Liiv TalkTalk)

The clearest difference is rating: KB Pay at 3.4 against 리브똑똑 (Liiv TalkTalk)'s 2.8. KB Pay also leads on ratings volume (181 vs 8) and review sentiment (54% vs 40%). 리브똑똑 (Liiv TalkTalk)'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. That said, the two scores are not equally well evidenced: KB Pay has 181 ratings behind it against 8, 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 40% of 리브똑똑 (Liiv TalkTalk)'s.

KB Pay ships an update every 2 weeks, 리브똑똑 (Liiv TalkTalk) monthly. The most recent releases landed on October 17, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | KB Pay | 리브똑똑 (Liiv TalkTalk) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | [2.8 (8 ratings)](https://appshunter.io/ios/app/liiv-talktalk/id1255058366/reviews) |
| Number of ratings | **181** | 8 |
| Positive reviews | **54.4% of reviews** | 40.0% 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 | 99 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) | [Kookmin Bank Co., Ltd.](https://appshunter.io/developer/373742141) |

## 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


### 리브똑똑 (Liiv TalkTalk)

[App page](https://appshunter.io/ios/app/liiv-talktalk/id1255058366)

A secure messenger for personal and business use, offering conversational banking services. Easily manage contacts, send bulk messages, and receive financial notifications. It prioritizes data safety and provides a convenient way to access banking features.

**Highlights:** Secure personal and business messaging, Conversational banking services, Bulk message sending, Financial notifications and benefits, Separate management for personal and work accounts, Voice authentication

**Features:** macOS Compatibility, Siri integration

**In-app purchases:** none


## Frequently asked questions

### Is KB Pay free?

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

### Is 리브똑똑 (Liiv TalkTalk) free?

리브똑똑 (Liiv TalkTalk) is free to download, with no in-app purchases.

### Which has better reviews, KB Pay or 리브똑똑 (Liiv TalkTalk)?

KB Pay is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while 리브똑똑 (Liiv TalkTalk) averages 2.8 from 8 ratings.

### Do KB Pay or 리브똑똑 (Liiv TalkTalk) have ads?

KB Pay shows ads; 리브똑똑 (Liiv TalkTalk) does not.

### Which is updated more often, KB Pay or 리브똑똑 (Liiv TalkTalk)?

KB Pay ships an update every 2 weeks, and 리브똑똑 (Liiv TalkTalk) monthly. Most recently, KB Pay was updated on October 17, 2026 and 리브똑똑 (Liiv TalkTalk) on October 15, 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.*