Comparison

KB Pay vs 카카오뱅크

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

KB Pay

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
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■ KB Pay 하나로 KB국민카드, 자산, 라이프(쇼핑/여행)까지 · 결제 금액 조회, 즉시결제, 금융(대출), 카드발급, 납부서비스 등 · 모든 KB국민카드 서비스를 하나의 KB Pay 앱에서 이용해 보세요 ■ 홈 · 고객의 상황에 맞는 최적화된 혜택정보 및 서비스 제공 ■ 듀얼홈(카드) · 카드 사용과 관련된 모든 정보를 한번에 · 카드 이용내역 조회, 즉시결제, 금융 서비스, 자동납부 등 ■ 혜택 · 맞춤형 이벤트와 제휴 이벤트를 한눈에 · 1일 1회(출석체크) 랜덤 포인트리 지급 ■ 금융 · 맞춤형 금융정보를 한눈에 · 장기/단기카드 대출, 신용대출, 자동차대출, 일부결제금액이월약정(리볼빙) 서비스 까지 ■ 결제 · 카드는 기본! 은행 계좌, 포인트리를 등록하여 카드처럼 간편하게 결제하세요 · 타임라인을 통해 이용 내역, 금융 내역, 자동 납부까지 확인을 하고 · 내가 이용한 내역을 누르면 나타나는 즉시결제, 더치페이, 메모작성 기능 등을 통해 합리적인 소비 관리를 해보세요 ■ 쇼핑/여행 · 매일 단 하루 쇼핑 특가와 위시템(한정수량) 득템 기회를 놓치지마세요 · 항공(KB Pay 앱에서는 발권 수수료 X)/숙박/렌트카 예약을 한번에! ■ 한번 더 확인해주세요 · 본인 명의 또는 당사에 등록된 휴대폰번호로 가입 가능합니다. · 안전한 금융거래를 위하여 최신버전 업데이트를 권장합니다. · 출처, 보안 설정이 불분명한 무선랜(Wi-Fi) 사용은 지양해주세요. · 이동통신망을 이용하시기 바랍니다. · 탈옥, 루팅 등 임의 개조한 단말기에서는 이용이 불가합니다. · 데이터를 이용하여 앱 다운로드/이용 시 이용료가 발생할 수 있습니다. ■ 편리한 사용을 위한 최소한의 권한을 요청합니다 [필수] · 전화: 휴대폰번호 확인 · 저장공간: 앱 컨텐츠 저장 [선택] · 카메라: KB Pay 결제, 인증을 위한 QR코드 촬용, 카드 등록 · 알림: PUSH 알림메시지 수신 · 생체정보: 결제 시 인증 및 서비스 이용의 추가인증 수단 · 위치정보: 위치기반 혜택정보 제공 · 주소록: 국내 연락처 송금 * 선택 항목의 접근 권한은 고객님께 더 나은 서비스를 제공하기 위해 사용됩니다. 허용하지 않으셔도 해당 기능 외 앱 이용이 가능합니다. * 접근권한 설정은 [설정>KB Pay] 메뉴에서 변경 가능합니다. ■ KB Pay는 고객님의 말씀을 경청합니다 · 다양한 채널을 통해 자세한 안내를 받으실 수 있습니다. · KB국민카드 홈페이지 (www.kbcard.com) · KB국민카드 콜센터 (1588-1688) · KB Pay 전용 콜센터(1644-9311)

About

카카오뱅크

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Changing finance, changing everyday life A fully licensed bank, KakaoBank ■ Korea's leading internet bank • Handle all your banking on mobile 24/7, with no branch visit • Send money to KakaoTalk friends without knowing their account numbers ■ Instant benefits you can see • Competitive interest rates for everyone, with no complex conditions • Complete daily missions in the Benefits tab for cashback ■ An account to share and manage together • Invite KakaoTalk friends to your group account • Share balances and transactions with members in real time ■ A 26-week challenge starting from just KRW 1,000 • Reach your goal before you know it with Kakao Friends cheering you on! ■ A debit card that rewards your spending • Cashback on every purchase, for everyone • A group account debit card that adds fun with random cashback ■ Fast and easy mortgage loans via chatbot • Apply for home purchase, jeonse, rent deposit, and refinancing loans • Instantly check rates and limits tailored to your loan profile • Submit on mobile with no loan documents to prepare ■ A simple start to investing • Compare and open brokerage accounts in one place • Start investing with small amounts • Save and invest in US dollars with zero exchange fees ■ Overseas remittances with exceptionally low fees • Send and receive international transfers anytime, 24/7 • Transfer to over 200 countries via bank accounts or Western Union (WU) • Designate or extend your primary foreign exchange bank on mobile ■ KakaoBank mini, starting from age 7 • Manage your child's allowance with ease • A single card for both payments and Tmoney top-ups ■ Easy and convenient banking for sole proprietors • Easy business account opening and various business loans • Business-exclusive cards with only the benefits you need • Tax filing, credit checks, and other business essentials ■ Easy and convenient banking for foreigners, even if Korean is unfamiliar • Open an account and get a card with your Alien Registration Card • Use a variety of services for your financial life in Korea • AI translation in English, Chinese, and Vietnamese, plus live English support ■ Zero transfer and ATM fees • No fees for transfers to other banks or automated transfers • No deposit, withdrawal, or transfer fees at any domestic ATM (bank ATMs and partner Value-Added Network (VAN) devices) * ATM and cash dispenser fees for deposit, withdrawal, and transfer are subject to change based on future policies. If policies change, we will notify you 1 month in advance via the KakaoBank app and website. ■ Customer Center Operating Hours • Deposits and Savings, Loans, Cards, and App Inquiries: 1599-3333 (Weekdays 09:00–18:00) • Foreign Exchange, Funds Inquiries: 1599-3333 (Weekdays 09:00–18:00) • Jeonse and Monthly Rent Deposit(Registered Customer) Loans Inquiries: 1599-8787 (Weekdays & Saturday 09:00–18:00) • Incident Reporting: 1599-8888 (24/7) ■ Chatbot Operating Hours • KakaoTalk Channel ""KakaoBank Customer Center"" (24/7) • Chatbot and live agent chat support available ■ KakaoBank App Access Permissions and Purposes • Camera (Optional): ID and document capture, video calls, profile photo registration, photo transfers • Photos (Optional): Saving transfer, remittance, and withdrawal confirmations and card receipts • Location (Optional): Prevention of fraudulent account opening and detection of fraudulent transactions • Health (Optional): Step tracking for the Walk Daily and Get Rewards feature • Bluetooth (Optional): Identifying and connecting to nearby devices for the Meet Jordy and Get Rewards feature * You can use the service even if you do not agree to the optional access permissions.

Screenshots

KB Pay4 screens
카카오뱅크4 screens

Verdict

The call

The clearest difference is rating: KB Pay at 3.4 against 카카오뱅크's 2.8. KB Pay also leads on review sentiment (54% vs 31%). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

KB Pay holds the better App Store score, 3.4 against 2.8. Both are backed by a comparable volume of ratings — 181 and 145 respectively. Written reviews point the same way: 54% of KB Pay's written reviews are positive against 31% of 카카오뱅크's.

UpkeepUpdate frequency

KB Pay ships an update every 2 weeks, 카카오뱅크 every 3 weeks. Both last shipped on October 29, 2026.

Scorecard2 real differences · 8 level
KB Pay versus 카카오뱅크: the parameters behind the verdict, then further details
ParameterKB Pay카카오뱅크
PriceFreeFree
Rating3.4 (181 ratings) — better2.8 (145 ratings)
Positive reviews54.4% of reviews — better31.4% of reviews
Number of ratings181 — better145
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size249 MB783 MB
Age rating4+4+
DeveloperKB KOOKMINCARD CO., LTD.KakaoBank Corp.

Customer experience

KB Pay

All ratings181 ratings
Positive58.0%
Neutral9.4%
Negative32.6%
Written reviews182 reviews
Positive54.4%
Neutral6.6%
Negative39.0%

카카오뱅크

All ratings145 ratings
Positive43.4%
Neutral5.5%
Negative51.0%
Written reviews156 reviews
Positive31.4%
Neutral4.5%
Negative64.1%

Bugs and requests

KB Pay

Reported bugs

13 issues
  • 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
Show 8 more
  • Card registration fails with 'too many users' error
  • PC payment code input doesn't process
  • Login errors and connection failures
  • Authentication window doesn't advance
  • Duplicate screen rendering after authentication
  • App crashes on startup
  • Error-1 operation failure
  • Name mismatch during signup

Requested features

10 requests
  • 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
Show 5 more
  • WiFi payment capability
  • Apple Pay integration
  • Alternative authentication methods for overseas users
  • Suica-like card option for travelers
  • Remove or shorten splash screen with celebrity images

카카오뱅크

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

KB Pay

No in-app purchases

None

카카오뱅크

No in-app purchases

Questions

Is KB Pay free?
KB Pay is free to download, with no in-app purchases.
Is 카카오뱅크 free?
카카오뱅크 is free to download, with no in-app purchases.
Which has better reviews, KB Pay or 카카오뱅크?
KB Pay is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while 카카오뱅크 averages 2.8 from 145 ratings.
Do KB Pay or 카카오뱅크 have ads?
Both KB Pay and 카카오뱅크 show ads.
Which is updated more often, KB Pay or 카카오뱅크?
KB Pay ships an update every 2 weeks, and 카카오뱅크 every 3 weeks. Most recently, KB Pay was updated on October 29, 2026 and 카카오뱅크 on October 29, 2026.

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