# KB Pay vs 네이버페이

The clearest difference is rating: 네이버페이 at 4.8 against KB Pay's 3.4. 네이버페이 also leads on ratings volume (35K vs 181). KB Pay's advantage is iOS requirement (15.0 vs 17.0). On price, review sentiment, 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.

네이버페이 holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: 네이버페이 has 35K ratings behind it against 181, so its average is the more settled of the two. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 47% of 네이버페이'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, 네이버페이 monthly. The most recent releases landed on November 11, 2026 and November 13, 2026 respectively.

## The numbers

| Metric | KB Pay | 네이버페이 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews) | **[4.8 (35K ratings)](https://appshunter.io/ios/app/id1554807824/reviews)** |
| Number of ratings | 181 | **35K** |
| Positive reviews | **54.4% of reviews** | 47.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | — |
| Size | 249 MB | 297 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) | [Naver Financial Corporation](https://appshunter.io/developer/1554807826) |

## 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


### 네이버페이

[App page](https://appshunter.io/ios/app/id1554807824)

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient QR code payment system
- 🎁 Attractive point rewards program
- 👍 Clean and intuitive initial UI design
- 🔒 Secure authentication features
- 📱 Dedicated mobile payment app

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ⚠️ Excessive forced re-authentication and logouts
- 🔄 Constant UI redesigns causing user confusion
- 📉 Degraded app performance and slow launch times
- 🎨 Overly complex and cluttered interface

**Reported bugs**

- Service outages without notice (6-hour downtime reported)
- QR code recognition failure after updates
- App crashes when viewing real estate property photos
- Automatic payment method reset to Pay Money after UI updates
- Settings reset after app updates

**Requested features**

- Apple Watch payment support
- Apple Wallet/Apple Pay integration
- Barcode payment option (not just QR)
- Multi-device login support
- Dark mode/night mode option


## Frequently asked questions

### Is KB Pay free?

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

### Is 네이버페이 free?

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

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

네이버페이 is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while 네이버페이 averages 4.8 from 35K ratings.

### Do KB Pay or 네이버페이 have ads?

Both KB Pay and 네이버페이 show ads.

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

KB Pay ships an update every 2 weeks, and 네이버페이 monthly. Most recently, KB Pay was updated on November 11, 2026 and 네이버페이 on November 13, 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.*