# KB Pay vs 카카오뱅크

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.

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. 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.

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

## The numbers

| Metric | KB Pay | 카카오뱅크 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | [2.8 (145 ratings)](https://appshunter.io/ios/app/id1258016944/reviews) |
| Number of ratings | **181** | 145 |
| Positive reviews | **54.4% of reviews** | 31.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 249 MB | 783 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [KakaoBank Corp.](https://appshunter.io/developer/1258016943) |

## 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


### 카카오뱅크

[App page](https://appshunter.io/ios/app/id1258016944)

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*