# KB Pay vs 카카오페이

The clearest difference is rating: 카카오페이 at 4.2 against KB Pay's 3.4. 카카오페이 also leads on update cadence (weekly vs every 2 weeks). KB Pay's advantage is in-app purchases (none vs 28) and iOS requirement (15.0 vs 17.0). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. 카카오페이 sells 28 one-off in-app purchases. KB Pay asks for nothing beyond the download.

카카오페이 holds the better App Store score, 4.2 against 3.4. Both are backed by a comparable volume of ratings — 181 and 132 respectively. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 49% of 카카오페이'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, 카카오페이 weekly. Both last shipped on October 26, 2026.

## The numbers

| Metric | KB Pay | 카카오페이 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews) | **[4.2 (132 ratings)](https://appshunter.io/ios/app/id1464496236/reviews)** |
| Number of ratings | **181** | 132 |
| Positive reviews | **54.4% of reviews** | 48.8% of reviews |
| In-app purchases | **No** | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | — |
| Size | 244 MB | 273 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [kakaopay corp.](https://appshunter.io/developer/1435127192) |

## 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


### 카카오페이

[App page](https://appshunter.io/ios/app/id1464496236)

**Features:** Apple Wallet, Apple Watch app

**In-app purchases (28)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1100원 상품 | $0.49 | one-time |
| 1500원 상품 | $0.99 | one-time |
| 3300원 상품 | $1.99 | one-time |
| 3500원 상품 | $1.99 | one-time |
| 5500원 상품 | $2.99 | one-time |
| 6600원 상품 | $3.99 | one-time |
| 6900원 상품 | $3.99 | one-time |
| 8900원 상품 | $4.99 | one-time |
| 7900원 상품 | $4.99 | one-time |
| 9500원 상품 | $5.99 | one-time |
| 9900원 상품 | $5.99 | one-time |
| 11000원 상품 | $6.99 | one-time |
| 13000원 상품 | $7.99 | one-time |
| 13900원 상품 | $8.99 | one-time |
| 17000원 상품 | $9.99 | one-time |
| 15000원 상품 | $9.99 | one-time |
| 19000원 상품 | $11.99 | one-time |
| 20000원 상품 | $11.99 | one-time |
| 22000원 상품 | $12.99 | one-time |
| 25000원 상품 | $14.99 | one-time |
| 28000원 상품 | $17.99 | one-time |
| 30000원 상품 | $19.99 | one-time |
| 33000원 상품 | $19.99 | one-time |
| 44000원 상품 | $29.99 | one-time |
| 55000원 상품 | $34.99 | one-time |
| 70000원 상품 | $39.99 | one-time |
| 99000원 상품 | $59.99 | one-time |
| 140000원 상품 | $89.99 | one-time |


## Frequently asked questions

### Is KB Pay free?

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

### Is 카카오페이 free?

카카오페이 is free to download, with in-app purchases available.

### Which has better reviews, KB Pay or 카카오페이?

카카오페이 is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while 카카오페이 averages 4.2 from 132 ratings.

### Do KB Pay or 카카오페이 have ads?

Both KB Pay and 카카오페이 show ads.

### Which is updated more often, KB Pay or 카카오페이?

KB Pay ships an update every 2 weeks, and 카카오페이 weekly. Most recently, KB Pay was updated on October 26, 2026 and 카카오페이 on October 26, 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.*