# KB Pay vs KCGI펀드투자 (구)메리츠 펀드투자

The clearest difference is review sentiment: KB Pay at 54% against KCGI펀드투자 (구)메리츠 펀드투자's 0%. KB Pay also leads on update cadence (every 2 weeks vs every 3 months) and ratings volume (181 vs 2). KCGI펀드투자 (구)메리츠 펀드투자's advantage is rating (5.0 vs 3.4) and ads (none vs shown). On price, 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.

KCGI펀드투자 (구)메리츠 펀드투자 holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: KB Pay has 181 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 0% of KCGI펀드투자 (구)메리츠 펀드투자'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, KCGI펀드투자 (구)메리츠 펀드투자 every 3 months. The most recent releases landed on October 13, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | KB Pay | KCGI펀드투자 (구)메리츠 펀드투자 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/kcgi/id1367024588/reviews)** |
| Number of ratings | **181** | 2 |
| Positive reviews | **54.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 244 MB | 71 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [MERITZ Asset Management Co., Ltd.](https://appshunter.io/developer/1354968590) |

## 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


### KCGI펀드투자 (구)메리츠 펀드투자

[App page](https://appshunter.io/ios/app/kcgi/id1367024588)

Invest in KCGI funds easily without visiting a branch. Offers funds for children's financial independence, retirement planning for salarymen, and stable income for seniors. Low operating fees and direct app-based subscription available.

**Highlights:** Invest in KCGI funds directly, Funds for children, salarymen, and seniors, Low operating fees, Available 8 AM - 11 PM daily, Account inquiry and fund subscription, First in domestic asset management with app subscription

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is KB Pay free?

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

### Is KCGI펀드투자 (구)메리츠 펀드투자 free?

KCGI펀드투자 (구)메리츠 펀드투자 is free to download, with no in-app purchases.

### Which has better reviews, KB Pay or KCGI펀드투자 (구)메리츠 펀드투자?

KCGI펀드투자 (구)메리츠 펀드투자 is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while KCGI펀드투자 (구)메리츠 펀드투자 averages 5.0 from 2 ratings.

### Do KB Pay or KCGI펀드투자 (구)메리츠 펀드투자 have ads?

KB Pay shows ads; KCGI펀드투자 (구)메리츠 펀드투자 does not.

### Which is updated more often, KB Pay or KCGI펀드투자 (구)메리츠 펀드투자?

KB Pay ships an update every 2 weeks, and KCGI펀드투자 (구)메리츠 펀드투자 every 3 months. Most recently, KB Pay was updated on October 13, 2026 and KCGI펀드투자 (구)메리츠 펀드투자 on October 2, 2026.

---

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