# KB Pay vs 삼쩜삼

The clearest difference is rating: 삼쩜삼 at 4.3 against KB Pay's 3.4. 삼쩜삼 also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). KB Pay's advantage is review sentiment (54% vs 46%) and ratings volume (181 vs 43). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

삼쩜삼 holds the better App Store score, 4.3 against 3.4. Both are backed by a comparable volume of ratings — 181 and 43 respectively. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 46% of 삼쩜삼'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, 삼쩜삼 weekly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | KB Pay | 삼쩜삼 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews) | **[4.3 (43 ratings)](https://appshunter.io/ios/app/id1584600717/reviews)** |
| Number of ratings | **181** | 43 |
| Positive reviews | **54.4% of reviews** | 45.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 249 MB | 213 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [자비스앤빌런즈](https://appshunter.io/developer/1247817264) |

## 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


### 삼쩜삼

[App page](https://appshunter.io/ios/app/id1584600717)

This app helps users find and claim hidden money, including tax refunds, medical expense reimbursements, and government benefits. It simplifies complex tax filing and provides personalized financial tips and government benefit information.

**Highlights:** Tax refund assistance, Medical expense reimbursement, Government benefit notifications, Personalized financial tips, Income and tax history, App-based financial technology (Apptech)

**Features:** 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 삼쩜삼 free?

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

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

삼쩜삼 is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while 삼쩜삼 averages 4.3 from 43 ratings.

### Do KB Pay or 삼쩜삼 have ads?

KB Pay shows ads; 삼쩜삼 does not.

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

KB Pay ships an update every 2 weeks, and 삼쩜삼 weekly. Most recently, KB Pay was updated on November 1, 2026 and 삼쩜삼 on November 3, 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.*